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klip Privacy Policy

Where we use “Bank” in this Privacy Policy, we mean National Bank of Fujairah unless stated otherwise.

klip and your Bank consider as its top priority the safety and protection of your personal data. Your personal data includes any information that may lead, directly or combined with other information, to your identification or tracing as a natural person. Personal data may include details such as name and surname, national identity number , passport number, natural/electronic addresses, phone/mobile phone numbers, credit/debit/prepaid card numbers, e-mails, transactions’ data, telephone and electronic communications data, payments data, identification details of equipment or terminal appliances, as POS, PC, smartphone, tablet, browser history (log files, cookies etc.), as well as any other piece of information that may allow your identification, in accordance with the provisions of the applicable laws in the UAE.

Please read this privacy policy. By accessing our payment system via an application provided to you by your Bank, and by signing a relevant consent form, whenever this is required, you unreservedly accept the practices described in this policy, whose terms will govern our contractual relationship and form part of the terms of use of each of our services.

1. Objective

This Privacy Policy aims to inform you on the terms of collection, processing and transfer of your personal data collected by us and you bank.

klip applies processing principles of the GDPR 2016/679 (lawfulness, fairness, transparency, purpose limitation, data minimization, accuracy, storage limitation, integrity, confidentiality and accountability) in order to protect your rights regarding the use of your Personal Data (information, access, rectification, erasure, restriction of processing, data portability, right to object and non-automated individual decision-making based on profiling. The above apply without any distinction and to all processing activities performed and to all services provided by the Banks that use the payment system of klip.

2. Personal Data Collection

klip either directly or through your bank, will always ask for your minimum, as stipulated by UAE law, personal data, so that you are enabled to transfer money or make payments over the klip Payment System. Such personal data may include, indicatively, name/user code, password, number, and validity and expiration date of debit/credit/prepaid card, telephone number, e-mail, postal address, and digital wallet. We, and/or your bank that is a Participant in the klip Payment System, retain your personal data only for as long as imposed by the contractual terms of each service, in combination with the applicable financial, banking, tax, telecommunication and other laws in the UAE, based each time on the respective processing purpose, while afterwards it anonymises or destroys them.

3. Instances of Personal Data Collection

klip, and/or your Bank, collect your personal data in the following instances:

  • When you register for the mobile wallet that is used to transact over the klip Payment System.
  • Upon your registration, and in the event your contact data is formatted to hard-copied or electronic lists so that you receive informative material or other marketing material in the form of prospectuses, electronically or by SMS or so that you renew your preferences or upon your participation in competitions, questionnaires and surveys, if you explicitly agree to such material being forwarded to you.
  • Upon your communication with your Bank’s HelpDesk, with your enquiries and/or claims.
  • Upon the submission to us of documents, that provide information for your protection against fraud or money laundering or combat against financial and electronic crime.

4. Processing Principles

klip and your bank will use your information for the following lawful processing purposes, namely:

  • For the completion of your request to register in and use of your Mobile Wallet to transact over the klip Payment System.
  • To answer on your applications and questions, indicatively for the provision of information on transactions, wallet status, and service queries.
  • For internal operations and analysis, such as internal management, prevention of fraud, AML as per UAE laws, and for use by information technology management, invoicing, accounting, billing and auditing systems.

5. Third parties

When you use your Mobile Wallet and you provide us with personal information, we and your bank operate as intermediaries and we do not transfer nor share your information, nor even among the Participants in the klip Payment System or third parties, but only to the extent it is necessary for the completion of your instructions.

We choose reliable providers and we try to set contractual restrictions to third parties who receive your personal data to ensure that they use them in accordance with this policy and the applicable in the UAE. Except that, we advise you to carefully read the personal data protection practices of any third-party providers/suppliers, whose products you buy via our Payment System. In addition, such third parties may contact you, if necessary, to receive additional information about a potential service, or payment of yours.

We take the appropriate technical and organizational measures to ensure that your personal information is transferred, stored and processed in accordance with the appropriate security standards and with the provisions of this policy and the applicable data protection laws of the United Arab Emirates.

Finally, we may transfer or reveal your personal data to official or national state and supervisory bodies (e.g. police, Central Bank of the UAE, etc.) when we are asked to comply with the law and to prevent any unlawful actions (e.g. fraud, money laundering etc.) to our or our customers’ detriment.

6. Data Security

The klip Payment System and the Bank have in place proper security policies and we use the appropriate technical and operational tools, as anonymization, data encryption, use of firewalls, setting of access rights, authorizations, training of personnel, periodic audits, compliance with international ISO security and business continuity standards, PCI for protection of data and payment cards etc.

Any authorised partner of us who has access to the above information uses them to exclusively serve the above purposes. We share the information you provide to us exclusively in the manners described in this Policy and in accordance with your explicit and special consent per type of processing, which you may at any time and freely withdraw by communicating with us.

7. In compliance with the Privacy Policy for Android Apps 

  • The Bank is the owner of the application that you use to access the Services
  • The data we collect is used for the provision of the Services; completion of your registration, identification and verification, Transaction processing, and fraud monitoring and prevention.
  • The data is collected in compliance with privacy and data protection laws in the UAE.
  • When third parties access your information, it is solely for the purpose of Transaction processing, and no data is retained by these third parties beyond what is mandated by the applicable law of the UAE. These parties will provide the same or equal protection of your data as required by the applicable law in the UAE.
  • You may request a change in the status of your data if permitted under the applicable law of the UAE.
  • You will be notified by the Bank through standard channels of communication of any change in this Privacy Policy.

8. In compliance with the Privacy Policy for iOS Apps

  • The Bank is the owner of the application that you use to access the Services
  • The data we collect is used for the provision of the Services; completion of your registration, identification and verification, Transaction processing, and fraud monitoring and prevention.
  • The data is collected in compliance with privacy and data protection laws in the UAE.
  • When third parties access your information, it is solely for the purpose of Transaction processing, and no data is retained by these third parties beyond what is mandated by the applicable law of the UAE. These parties will provide the same or equal protection of your data as required by the applicable law in the UAE.
  • You may request a change in the status of your data if permitted under the applicable law of the UAE.
  • You will be notified by the Bank through standard channels of communication of any change in this Privacy Policy.

9. Validity of Personal Data Protection Policy

This Policy was published by klip Payment System and the Bank on 5th October 2020 and is subject to periodic improvement and review.

Any amendments to this Policy will apply on the collected information from the date on which the amended version will be published on the Bank’s relevant website and on the existing information we keep. By using the website after the publication of the amendments, you automatically accept such amendments.