AL Manar Online Privacy Policy
The
Online Practices Privacy Policy explains how we may collect information from
you online when you visit AL Manar Web site.
The
Online Practices Privacy Policy, effective as of October 1st, 2019,
is for general guidance and subject to change. Please review periodically.
Customer
information means personally identifiable information about a consumer or a
consumer’s current or former customer relationship with AL Manar Financing
& Leasing Co.
In
addition to the protections you enjoy through our Online Practices Privacy
Policy, your online activities may also be covered by AL
Manar Privacy Policy for Consumers. This policy explains
our collection, use, disclosure, retention and security of consumer information
and applies to AL Manar Financing & Leasing Co. products and services.
·
Maximize
your experience on our site
·
Making
sure information is accurate
·
Platform
for Privacy Preferences (P3P)
·
Changes
to the Online Practices Privacy Policy
You
can get more out of your AL Manar Web site experience when you tell us whom you
are. You can choose to do this through a number of online opportunities - for
example, by registering for AL Manar online service, completing an e-mail
profile, or applying for a product on our Web site.
You
can browse our sites anonymously by choosing not to provide us with any
personally identifiable information, such as your name or e-mail address,
during your visits to our sites.
Browsing
anonymously after you have identified yourself involves setting your browser to
disable cookies and similar files or by deleting the cookies and similar files
that you have accepted from us. To do this, you will need to follow your
browser's instructions for disabling cookies or deleting cookies. Please note
that the use of online payment, do require the acceptance of cookies or similar
files.
Cookies
are pieces of information stored directly on the computer you are using. AL
Manar or our third party advertising service providers may place cookies or
similar files on your hard drive for security purposes, to facilitate site
navigation and to personalize your experience while visiting our site. This
includes selecting which of our advertisements or offers are most likely to
appeal to you and displaying such advertising or offers while you are on AL
Manar Web sites. In all cases, cookies and similar files that we place on your
computer do not contain any personal information unless encrypted, and we never
use cookies or other files to track your use of other web sites.
If
you do not accept these cookies, you may experience some inconvenience in your
use of online services. For example, for online payment, we will not be able to
recognize your computer and you will need to answer a challenge question each
time you log on. You also may not receive advertising or other offers from us
that are more relevant to your interests and needs.
AL Manar uses cookies in two ways:
Cookies
used for Web browsing can contain a variety of information, such as a simple
count of how often you visit a Web site or information that allows
customization of a Web site for your use or customization of AL Manar
advertising or offers you receive when you are on the AL Manar Web sites. AL
Manar uses cookies and other technologies to display information more
effectively to you and to gather data about the usage of our website.
Cookies
allow us to collect technical and navigational information such as browser
type, time spent on our site, and pages visited. Cookies do not contain or
capture unencrypted customer specific data. We may also use cookies in online
advertising to track consumer responses to AL Manar advertisements. Other
technologies we use may capture customer specific data to help us understand
how customers use our site and to assist us with resolving customers’ questions
regarding the use of our site. Cookies and other technologies provide us the
capability to monitor the use of our site, so we can continually improve the
design and functionality to better serve you.
AL
Manar uses cookies during your online payment Session. For example, to identify
your login id so that we do not ask you to enter your login information more
than once. Cookies are also used for security purposes to recognize your
computer. Any time a cookie is used; personal information is encrypted and used
solely to support your online payment activity.
Some
web sites use technologies similar to cookies to store information. For
example, AL Manar also uses files called Flash Objects in connection with
online payment. This is used to help assure security as part of our service. As
with cookies, we never store personal information unless encrypted.
When
you visit our Web site, we may collect the following information in order to
service your accounts, save you time and money, and better respond to your
needs:
Information
that you provide to us online in applications and other forms. Examples include
your assets, income and debt.
Information
that identifies you such as name, address, telephone number and Civil ID
number.
Information
about your online transactions and account experience, as well as information
about our online communications with you. Examples include your online payments
and your activity on the Web site, such as collecting information on product
information reviewed.
Keeping
your account information accurate and up to date is very important. If your
account information is incomplete, inaccurate or not current, please contact us
either by phone, email or contact one of our branches for such changes.
AL
Manar advertises its products and services, on pages within the AL Manar Web
sites. These advertisements may take the form of banner ads, splash ads (ads
that appear as you sign-on or sign-off of Online Payment), and other formats.
We may use information about your relationship with us, such as what types of
accounts you have, as well as high-level transactional information. This
information may include whether you have signed up for direct deduction of your
payments to tailor advertisements to you while you are on web pages within the
AL Manar Web sites.
We
also use advertising service providers to help us determine which of our
advertisements are most likely to be of interest to you while you are on AL
Manar Web sites. These advertising service providers may use anonymous
behavioral information such as how you navigate the Web site to provide
relevant advertisements to you while you are on AL Manar Web sites. These
advertising service providers do not have access to or collect personally
identifiable information such as your name, address, email address, account
number, or telephone number. If you prefer not to have anonymous behavioral
information used in this way, opt out of behavioral information use.
Alternatively, set your browser to not accept cookies, but doing so may cause
you to experience some inconvenience in your use of AL Manar Web sites, as
described above.
AL
Manar advertising service providers serve advertising to you using cookies and
web beacons. The web beacons tell our advertising service providers the
internet address of the AL Manar Web site pages viewed by users.
Information
collected by our advertising service providers through cookies and Web beacons
includes the number of people who look at each of the pages on the AL Manar Web
sites, search engine referrals, browsing patterns within the AL Manar Web
sites, and responses to advertisements and promotions on the AL Manar Web
sites. Information collected may also include other trends and activity on the
AL Manar Web sites, basic information about whether you have visited the site
before, and your Internet connection and computer settings, such as your
browser, your IP address, and your time zone.
From
time to time consumers will experience 'Pop Ups' from other companies while
visiting our site. Pop Ups are generated by 'Adware' placed on your computer
when other sites have been visited. AL Manar does not participate in the use of
Adware.
AL
Manar sometimes contracts with advertising companies to advertise our accounts
and services on Web sites not affiliated with AL Manar. If you click on one of
our ads, you link to AL Manar Web site that offers the advertised account or
service. These ads may contain cookies that allow tracking of your response to
our advertisements. These cookies do not identify you personally. We prohibit
any company that places our ads from using this information for any purpose
other than to assist us in measuring the effectiveness of our ads
From
time to time, you may be asked to participate in online surveys or contest on
AL Manar Web sites. Online surveys are used so that we can gather information
to better serve you. Based on the information you provide to us; we may inform
you of accounts and services from AL Manar. As always, if you have asked us not
to contact you with direct marketing offers, your request will be honored (see
Your Privacy Preferences). You are not required to complete online surveys, contests
or promotions.
AL
Manar provides customers visiting its Web site with a variety of planning
tools, such as payments calculator. Information that you enter into one of
these planning tools may be stored for your future access and use. We will let
you know when we do plan to store information, and we will give you the option
not to have this information saved.
The
Platform for Privacy Preferences Project has been developed by the World Wide
Web Consortium (W3C) to help inform Internet users about the information
practices of Web sites they visit. Using the P3P standard, a Web site can
publish a summary of site privacy practices in machine-readable form. This
summary is interpreted by browsers equipped to read P3P summaries. These
browsers may then display alerts or block transmission of information to you
and/or the Web site if the Web site privacy practices are different from the
privacy practices you have selected in your P3P browser.
Only
a P3P-enabled browser used on a Web site that publishes a P3P privacy practices
summary will let you see these alerts or block certain information from being
transmitted.
AL
Manar sites use P3P summaries to address our use of cookies, but do not publish
a full P3P summary of our privacy policy. However, you can read, print or
download the full text of AL Manar Privacy
Policy for Consumers online.
We
may provide links to non-AL Manar sites, such as Kuwait Stock Market or
merchants. If you choose to link to Web sites not controlled by AL Manar, we
are not responsible for the privacy or security of these sites, including the
accuracy, completeness, reliability or suitability of their information. If you
are asked to provide information on one of these Web sites, we strongly urge
you to carefully study their privacy policies before sharing your information.
When
you are leaving AL Manar site, you will be notified that you are leaving the
site and that AL Manar cannot guarantee the security of the site you are
entering and that the site may have different privacy practices and
protections.
E-mail
can be used for sending frauds such as a false offer from a company or an alert
to a false computer virus. Friends, adding an erroneous level of legitimacy,
often forward these e-mails with good intention. If you receive an e-mail that
you think could be a fraud, do not forward it and delete it immediately. If you
receive an e-mail warning that a new computer virus is circulating, check the
Web site of any one of the well-known anti-virus software companies for
validation.
Emails
such as these are most likely from criminals who send thousands of emails at a
time to random addresses. These criminals are trying to entice the recipient to
visit a phony website and provide personal and confidential information, such
as online IDs and passwords, or Civil ID numbers and account numbers. Although
the site may look like a company site, it is not - which is why this practice
is known as "spoofing."
To
report a suspicious email that uses AL Manar name, you can forward it to abuse@almanar.com.kw
We do
not knowingly market to or solicit information from children under 18 without
parental consent. We recognize that protecting children's identities and
privacy online is important and that the responsibility to do so rests with
both the online industry and with parents. While AL Manar works to protect your
personal information, you also have responsibility.
·
Internet
safety for children. The Internet is a public network. Children's access to the
Internet can allow them to visit inappropriate Web sites and be expos to
unwanted risks. Parents can be proactive by installing filtering software that
gives them more control over their family's Internet experience.
·
Cyber
ethics for children. Cyber ethics is the practice of being a good citizen on the
Internet superhighway. Kids should understand the rules of the road, too.
If
we make changes to the Online Practices Privacy Policy or make any material
changes to our online services, we will revise the Online Practices Privacy
Policy to reflect such changes and revise the policy's effective date.
AL Manar Privacy
Policy for Consumers 2019
To
learn more about how AL Manar manages Customer Information and what actions you
can take, please continue reading.
We
are committed to respecting and protecting our customers’ privacy.
1. Making the security of information a priority
2. Collecting your information
3. Managing information about you
4. Honoring your preferences
5. Actions you can take
6. Guarding your own information
This
policy covers Customer Information, which means personally identifiable
information about a consumer or a consumer’s current or former customer
relationship with AL Manar.
Keeping
financial information secure is one of our most important responsibilities. We
maintain physical, electronic and procedural safeguards to protect Customer
Information. Appropriate employees are authorized to access Customer
Information for business purposes only. Our employees are bound by a code of
ethics that requires confidential treatment of Customer Information and are
subject to disciplinary action if they fail to follow this code.
We
collect and use various types of information about you and your
accounts to service your accounts, save you time and money, better respond
to your needs, and manage our business and risks.
Customer
Information is categorized in the following five ways:
A. Identification Information — information that
identifies you such as name, address, telephone number and Civil ID number.
B. Application Information — information you
provide to us on applications and through other means that will help us
determine if you are eligible for products you request. Examples include
assets, income and debt.
C. Transaction and Experience Information —
information about transactions and account experience, as well as information
about our communications with you. Examples include account balances, payment
history, account usage and your inquiries and our responses.
D. Consumer Report Information — information from
a consumer report (CiNet).
E. Information from Outside Sources — information
from outside sources regarding employment, credit and other relationships that
will help us determine if you are eligible for products you request. Examples
include employment history, loan balances, and other verifications.
AL
Manar recommends that you take the following precautions to guard against the
disclosure and unauthorized use of your account and personal information:
·
Do not respond to e-mails
requesting account numbers, login id or password. Call AL Manar customer
service to verify the legitimacy of the e-mail.
·
Memorize your password
and refrain from writing password, Civil ID number where they could be found.
·
Shred documents
containing any sensitive information before discarding.
·
Confirm that an Internet
site is secure by checking that the URL (Web address) begins with "https”.
We
may make changes to this policy at any time.
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Online Security and Technical
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Online Payment
Security
For Consumers and Sole Proprietors
Safeguarding
your information is a priority for AL Manar. Whenever personal information is
requested or displayed on our Web site, we use encryption technology, such as
Secure Socket Layer (SSL), to prevent unauthorized access to data.
At
AL Manar Online security, your privacy is our priority. Keeping financial
information secure and confidential is one of our most important
responsibilities.
AL
Manar processes your payments on the date and for the sum amount, you specify.
If
you notice any unauthorized activity in your account, or need to report lost or
stolen information, please contact us immediately.
·
Protecting your Online ID
and Password. You should always guard your Online ID and Password from
unauthorized use. If you share this information with someone, all transactions
they initiate with the information are considered as authorized by you, even
for transactions you did not intend for them to make.
·
Do not leaving your computer
unattended during an Online Payment session. It is easy to protect your
information by signing off from Online Payment when you are finished with each
session. To ensure cached copies of your Online Payment Web pages are cleared,
always close your browser after signing off.