This "Privacy Policy" (Policy) describes the treatment of information that is provided or collected through the "Fayez App" (App) and the "Fayez Program" (Program) to which a copy of the Policy is posted. It also explains how we collect, use and share information based on users' interactions with the App and its Services. Note that the Policy does not govern our privacy practices offline or with respect to information that is not provided or collected through this App and its Services.
We pledge to use and share any information that we collect from or about the App subscribers in accordance with this Policy that provides choices regarding our sharing and use of information.
While this Policy describes how we treat information, please be aware that additional terms and conditions may apply for the usage of the App and its Services.
In case of any difference between the Arabic and English versions of the Policy, the Arabic version will prevail.

1. Types of Information We Collect
We collect two basic types of information through the App - personal information and anonymous information. We also collect location information in relationship with certain of our App features. In addition, we may collect step count, calories burned, and distance covered data through the App’s integrated fitness tracking features.
"Personal information" refers to information that identifies (whether directly or indirectly) a particular individual, such as your Name, Gender, Nationality, Email Address, Mobile Number, Civil ID number, Date Of Birth, Facebook ID, Instagram and Workplace.
"Anonymous information" means information that does not directly or indirectly identify, and cannot reasonably be used to identify, a particular individual. Examples may include information about your device ID token, information collected through tracking technologies, demographic information that you provide to us (Gender) and aggregated or de-identified data.
"Location information" means information that may be collected by certain App features that identifies your physical location.

2. How We Collect Your Information
We collect personal information from you or about you when you provide this information to us directly. For example, we may obtain personal information when you request information, products or services from us, register on the Fayez App, Contact Us or otherwise interact with us. We may also receive information about you from other online and offline sources, such as Bank's customer records databases, Social Media Platforms and other Third Parties.
In addition, we may collect information about your activity on the Services automatically using tracking technologies, such as cookies, Flash cookies and pixel tags. Definitions for the tracking technologies we use.
If you submit any personal information relating to other people to us or to our service providers, partners and/or associates in connection with the App or its Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Policy.

3. How We Use Information That We Collect
We may use information that we collect in order to, among other things:
o Provide you with, or evaluate your eligibility for, products and services that you request from us
o Communicate with you about your App account or transactions with us
o Send you important information regarding the Services, changes to this Policy and/or other similar administrative information
o Allow you to participate in surveys, contests and similar promotions, and to administer such promotions (note that these promotions may contain additional disclosures regarding our collection and/or use of your information)
Consistent with Kuwait law, required disclosures, and choices and controls that may be available to you:
o Send you offers and promotions for products and services from our partners, associates and ourselves, or products and services that may be of interest to you.
o Personalize content and experiences on the App and its Services.
o Verify your identity and/or location (or the identity or location of your authorized representative) for security, fraud prevention and other risk control purposes; and
o Provide you with advertising based on your activity on the App and its Services.
o Optimize or improve our products and services
o Detect, investigate and prevent activities that may violate our policies or be illegal
o Comply with our legal and regulatory obligations
o Enforce our terms and conditions and otherwise protect the rights of our subscribers and ours rights and operations.

4. How We Share Information That We Collect
We will not share your personal information outside, except under limited legal circumstances.

5. Online Tracking
We and certain trusted partners of the Program operating with us or on our behalf may collect information about your activity on the Services using tracking technologies, including:
o Cookies:
Cookies are pieces of information that are stored directly on the device that you are using. They allow us to collect information such as the type of browser you are using, the amount of time you spend using the Services, the websites or applications you visit and the preferences you have set up for your accounts. We use this information for such purposes as to personalize your experience, enhance security, facilitate navigation, display material more efficiently, recognize the device that you are using to access the Services and understand how the Services are used. The Services do not use cookies that capture unencrypted personal information about you.
You can choose to have your device refuse to accept any cookies, and the majority of devices and browsers offer additional privacy settings for cookies. You do this through your browser settings. Each device and each browser is a little different, so look at your device Settings or your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your user experience more efficient and some of the Services will not function properly. Please note that you will need to manage your cookie settings for each device and browser that you use.
o Flash cookies.
We may use local shared objects, sometimes known as Flash cookies, to store your preferences and to assist with online authentication by allowing us to recognize you and your device when you return to the App. This permits us to display content based upon what you view on device to personalize your use of the App and its Services. Our partners, associates and third-party service providers also may use Flash cookies to collect and store information. Flash cookies are different from browser cookies because of the amount and type of data, as well as how data is stored.
Cookie management tools provided by your device or browser will not remove Flash cookies. If you disable Flash cookies, you will not have access to many features that make your user experience more efficient and some of the Services are unlikely to function properly.
o Pixel tags, web beacons, clear GIFs and other similar technologies.
These are typically small pieces of data that are embedded in images on the Website, our Applications or certain e-mail communications. They may involve the transmission of information directly to us, to another party on our behalf or to another party in accordance with its privacy policy. We may use these technologies to bring together information we collect about you.
o Location tracking on mobile devices.
Certain applications on mobile devices may transmit information to us about your location when you request information from them. An example includes your physical location when you search for a nearby landmark using your mobile device. We may use that information to improve the products and services we provide to you as well as improving our services generally in your area.
Information collected through tracking technologies is used for many purposes including (but not limited to), for example, to:
o Provide useful features to simplify your experience when you return to the App
o Deliver relevant content based on your preferences, usage patterns and location
o Monitor and evaluate the use and operation of the App and its Services
o Analyze traffic on the App and user interactions/transactions.
We may associate this tracking data with your registration information, in which case we will treat it as personal information.
We use Google Analytics, which uses cookies and other similar technologies, to collect information about use of the Services anonymously and report website trends, without identifying individual visitors. To learn more, including how to opt out, visit https://tools.google.com/dlpage/gaoptout.
Occasionally, you may encounter banner advertisements for our products and services on third-party websites and mobile applications. We use third-party advertising service providers to distribute our advertisements on websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture information such as IP address, browser type and usage information in order to track the effectiveness of our advertising efforts. Such tracking technologies do not capture personal information about you, and our advertising service providers are prohibited from using any information collected except to track advertising effectiveness.

6. Other Information Collected Automatically
o Browser or Device Information:
Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, and the name and version of the Services (such as the Application) you are using. We use this information to ensure that the Services function properly.
o Application Information:
When you download and use the App, we and our partners, associates and service providers may track and collect usage data, such as the date and time the App on your device accesses our servers and what information and files have been downloaded to the App based on your device number.
o IP Address:
Your IP address is a number that is automatically assigned to your device by your Internet Service Provider. An IP address may be identified and logged automatically in our server log files whenever a user accesses the App and its Services, along with the time of the visit and the page(s) visited. Collecting IP addresses is standard practice and is done automatically by many websites, applications and other services. We use IP addresses for purposes such as calculating usage levels, helping diagnose server problems and administering the Services.

7. Linked Websites
The Services may contain links to partner, associates and third-party websites or application not controlled by Warba Bank. We encourage you to be aware when you leave the App and to read the privacy policies and terms of use of any such websites or application that may collect your personal information, as they will likely differ from those of this App. Warba Bank does not guarantee and is not responsible for the privacy or security of these websites or applications, including the accuracy, completeness or reliability of their information.
In addition, Warba Bank is not responsible for the information collection, use and disclosure practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer or provider, social media platform provider, operating system provider, wireless service provider or device manufacturer.

8. Data Security and Online Risk-Free Guarantee
Your privacy is very important to Warba Bank and we are committed to protecting your personal information from unauthorized access or use. We seek to use reasonable organizational, physical, technical and administrative measures to protect personal information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the "Contact Us" section below.
You have the responsibility to help us protect your accounts by never revealing your user credentials and/or device with the App installed to any person or third party. By providing your user credentials and/or device with the App installed to any person or third party (including an aggregation service) you authorize that person or third party to interact and transact to or from your registered and verified user account on the App. Unauthorized transactions may not include interactions and transactions by any person or third party to whom you provide your credentials and/or device with the App installed. Should you decide to revoke the authority you have given to any such person or third party, you should notify that person or third party in addition to contacting us, in which case we may need to block your registered and verified user account on the App until we issue new access codes.

9. Preventing Identity Theft
In order to help us protect your personal information, it is important that you always keep your registered and verified user account information on the App safe. Never share your registered and verified user account information or your device with anyone, under any circumstances, unless authorized by the Bank or yourself, based on your consent.
Note that Warba Bank will never initiate a request via email for your sensitive information (e.g., Civil ID number, User ID or PIN). If you receive an email asking for your sensitive information, you should be suspicious of the request and promptly contact us to report the suspicious activity.
Please be aware, however, that in certain telephonic and in-person transactions we may ask for your full Civil ID number, Bank Account details or other information to verify your identity before conducting the transactions you have requested. For example, we may ask for such information to verify your identity when you place a call to us, when you visit a Warba Bank branch office or when we call you about a new product or service we believe that you will find valuable.

10. Social Media Platforms
Warba Bank may interact with registered users of various social media platforms, including Facebook® and Instagram®. Please note that any content you post to such social media platforms (e.g., pictures, information or opinions), as well as any personal information that you otherwise make available to users (e.g., your profile), is subject to the applicable social media platform's terms of use and privacy policies. We recommend that you review this information carefully in order to better understand your rights and obligations with regard to such content.

11. Updating Your Information
It is very important that you keep the information associated with your registered user account accurate and up-to-date. If you believe that your account information is incomplete, inaccurate or otherwise not current, please update it within the App profile. In case the outdated information is related to the Bank account linkage then kindly contact us through the App.
If you would like to review, correct, update, suppress or delete personal information that you have previously provided to us and cannot be changed through the App, you may contact us on [email protected]
In your request, please make clear what personal information you would like to have changed, whether you would like to have it suppressed from our database or otherwise let us know what limitations you would like to put on our use of the personal information you have provided to us. For your protection, we may only implement requests with respect to the personal information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable.
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting a change or deletion. There may also be residual information that will remain within our databases and other records, which will not be removed.

12. Retention Period
We will retain your personal information for the period necessary to fulfil the purposes outlined in this Policy, unless a longer retention period is required or permitted by law of Kuwait.

13. Cross-Border Transfer
The Services are controlled and operated by us from Kuwait, and are not intended to subject us to the laws or jurisdiction of any country or territory.

14. Changes to the Online Privacy Policy
From time to time, we may make changes to this Policy in order to accommodate new technologies, industry practices, and regulatory requirements or for other purposes. We encourage you to review the Policy periodically to ensure that you understand how we collect, use and share information through the App and its Services. If we do make changes to the Policy, we will also update the "Effective Date" posted at the top of the Policy.
Any changes to the Policy will become effective when the revised Policy is posted on the App or any other Warba Bank online Platforms, as applicable. By continuing to use the App and its Services following such changes, you are agreeing to accept the terms of the revised Policy.

15. Contact Us
If you have any questions or comments about this Policy, we encourage you to contact us on [email protected]