Privacy

Disclaimer Policy

Please read these terms and conditions carefully. Your access to this site and any pages linked to it constitutes your agreement to abide by all the terms and conditions listed below. If you do not agree to the following terms and conditions, please avoid accessing the site or any pages linked to it

Alinma Bank. All rights reserved.

Alinma Bank is the sole owner of the copyright to the pages and screens that will appear, as well as the materials and information included therein, and the method of arranging and displaying them unless otherwise indicated

Use of information and materials 

The information and materials included in these pages - as well as the terms, conditions and descriptions appearing therein - are subject to change and not all products and services are available in all geographic areas. Your eligibility for specific products and services is subject to the final discretion and approval of Alinma Bank. Investment products do not entail any obligation on Alinma Bank and are not guaranteed by it. Investment services are not considered bank deposits, are not guaranteed by any third party, and are subject to investment risks, including the possibility of losing the invested capital.

No Warranty

The information and materials contained in this website, including text, graphics, links and other items, are provided on an “as is” and “as available” basis. Alinma Bank does not guarantee the accuracy, adequacy or completeness of this information and materials, and disclaims any responsibility for any errors or omissions in the information and materials mentioned, and Alinma Bank does not provide any warranty of any kind, express or statutory, including but not limited to warranties of non-infringement of third party proprietary rights and patents, or suitability and fitness for any particular purpose or freedom from computer viruses, with respect to the information and materials included in this site.

Limitation of Liability

In no event shall Alinma Bank be liable for any damages or losses, including but not limited to damages, losses or expenses, whether direct or indirect, special, consequential or incidental, arising out of or in connection with the site and its use or inability to use it by any party, or any failure of performance, error, deficiency, interruption, defect, delay in operation or transmission, computer virus, system failure or error, even if Alinma Bank or its representatives have been informed of the possibility of such losses, damages or expenses.

Your use of quick links to other websites is at your own discretion and on It is your own responsibility, and it is understood and agreed that Alinma Bank has not examined, verified, monitored or approved the contents or guaranteed the accuracy of the information provided by these sources or the opinions expressed or other links provided by them.

The information provided to Alinma Bank through this site is owned - and will remain owned - by Alinma Bank, with Alinma Bank enjoying absolute freedom to use any ideas, concepts or technical techniques contained in the information provided by visitors to the site to Alinma Bank through this site for any and all purposes according to the bank's discretion.

Alinma Bank does not acknowledge any obligation to maintain confidentiality with respect to the information provided to it through the site except as may be agreed upon between Alinma Bank and the party responsible for managing the direct relationship with the party providing the information or otherwise specifically agreed upon or as dictated by the applicable law.

Terms and Conditions for Electronic Services and Phone Banking:

• The Bank provides banking services through the Alinma Internet Service and the Alinma Phone Service, where access to and use of these services is subject to the following terms and conditions:
• The Alinma System enables the customer to obtain a number of services and products and carry out operations such as transferring between accounts at the Bank, or transferring to accounts at local banks, paying utility bills and other services and operations provided by the Bank.
• The Bank has the right - for any reason - to reject any request to register or enter the Alinma System, and any instructions or inquiries received from the user through the Alinma System.
• The customer authorizes the Bank to implement all instructions received from the customer or user through the Alinma Internet Service and the Alinma Phone Service.
• The Bank is committed to implementing all banking instructions and transactions received from the customer electronically or by phone, provided that they are compatible with the Alinma System, and in accordance with the Bank's work procedures and instructions of the competent official authorities and banking customs according to its absolute discretion.
• The Bank shall debit the customer's account for any transactions and amounts executed by the customer electronically or by telephone through the Alinma system, and the customer shall be fully responsible for all obligations arising from the use of the service, whether such transactions are made with or without his knowledge. The customer authorizes the bank to deduct the financial obligations arising from the use of the Alinma system from his bank account linked to the service or any other account he owns with the bank without referring to it, and the customer shall be committed to paying the expenses and fees determined by the bank in return for benefiting from these services, which may be amended from time to time according to the bank's absolute discretion. The customer acknowledges his full responsibility for his personal use of the Alinma system according to the established purposes and uses and his responsibility for carrying out banking transactions whether this is done through electronic or telephone services, and any use of these services is made by the person authorized by him using the login data, user ID and personal identification number (secret number), and the customer shall be committed to maintaining them completely, and not disclosing such data to any person, entity or employee of the bank. The customer also acknowledges that the secret number is considered a personal signature, regardless of the user of the service, and the bank shall not bear any damages, results, losses or compensations resulting from failure to comply with any of the above. The customer shall be responsible for the validity, safety and regularity of all transactions carried out using the service.

The user shall bear all expenses and telephone charges related to connecting his device to the Alinma system, and any fees charged by any Internet access service provider, and the bank may add any fees arising for any additional services requested by the user through the Alinma system, such as services of other information providers, and the user will be notified of these fees through the Alinma electronic service.

The customer acknowledges that the bank, its affiliates and the bank’s employees are not responsible for any losses, damages, financial claims or otherwise resulting from the use of the user’s identity and secret number, and the customer is obligated to notify the bank in writing if it becomes clear to him that the user’s identity or secret number has become known to others so that the bank can take the necessary action, and the customer shall be responsible for all transactions and instructions issued by him until the bank receives the written notification.

The customer undertakes to maintain the complete confidentiality of all data, information and transactions of his accounts and any other data that can be accessed, downloaded or stored from any computer or the Internet, and the customer is responsible for any unauthorized use or usage and all results, losses and damages that may result from that, whether directly or indirectly, against the customer or the bank.

The customer acknowledges that he does not own the intellectual property and publishing rights of the bank's electronic services programs and documents, and agrees not to allow its users to copy or modify the programs or otherwise or download or transfer the electronic services programs to similar electronic devices.

The bank may cancel these services at any time without prior notice to the customer. The customer may also cancel subscriptions by written request to the bank, with responsibility for the operations and services that have been completed up to the date of notification of acceptance of the cancellation.

The customer agrees to authorize the bank to send all correspondence and notifications related to this service via e-mail or fax. He undertakes to take all possible precautions to maintain the confidentiality of these messages and shall be responsible in the event of breach of this obligation.

The customer agrees to authorize the bank to record all communications and instructions - including instructions to add other users of electronic services - and that these audio recordings shall be evidence of what is stated therein in the event of using the toll-free number.

The bank shall make reasonable efforts to ensure the provision and operation of the Alinma System service, and the bank shall be responsible for acting and implementing in accordance with the user's instructions sent via the Alinma System and which the bank actually receives. The bank shall not bear any responsibility, losses or compensation as a result of malfunctions, breakdowns or defects in the communication devices or lines that may affect the accuracy of the messages sent by the user or the time of their arrival.

The Bank does not provide any commitments or guarantees regarding quality, speed, performance, accuracy or otherwise, and does not guarantee that the Alinma system is free from errors or defects. The customer has acknowledged that the Bank is not responsible for anything related to this without any intentional negligence or omission on the part of the Bank.

The data and information that the user receives from the Bank or any provider are authenticated and are provided to the user on the basis of making every effort to ensure the user's comfort, but they are not guaranteed. Therefore, the Bank is not responsible for any deficiency or inaccuracy in such data and information, or their completeness, availability, or time of arrival, or any other decision taken using such data and information.

The Bank will not be responsible for any computer virus or problems related to the information provided that arise from services provided by any information provider, or that may arise from the user's personal device. The Bank also does not bear any responsibility for any hacking or piracy.

The Bank may amend these terms and notify the customer of the amendment or amendments. The customer's continued use of the Alinma system constitutes approval of the amendment. The customer may also request amendment of the terms with the Bank's written approval.

To ensure the security of your transactions when you log in through the Bank's digital channels, some information may be saved from your browser, such as (search engine - geographic address - date - time - URL address) in addition to automatically saving the IP number.

Dear customers:

The confidentiality of your information is very important to Alinma Bank, and therefore we at the bank are committed to our customers and are keen to ensure the confidentiality of their information. While we consider information the cornerstone of our ability to provide you with a high level of service, the trust of our partners in us remains the most important pillar. Therefore, maintaining the confidentiality and integrity of our partners’ information, and using it only as they specify, are among the most important priorities for all of us at the bank. Hence, our promise to each of our valued customers is that we will:

• Protect any information provided to us by our customers according to the strictest standards of safety and confidentiality.
• We limit the volume and use of information to the minimum required to provide high-level services to our customers, including informing them of our products, services and other opportunities available to them, as well as to manage our business.
• We only allow authorized persons, who are highly trained in managing our customers’ information, to access their information, noting that any of the bank’s employees who violate this commitment will be subject to the usual regulatory accountability in the bank.
• We will not disclose any customer information to any third party unless we have previously informed the customer through disclosure statements or agreements, have obtained the customer’s authorization to do so, or are required to do so by law.
• We always maintain a strict confidentiality policy for our customers. However, we may assist in facilitating suitable offers for services and products from certain reputable companies, and these companies will not be permitted to retain any customer information unless the customer has clearly expressed an interest in their products or services.
• We inform our customers in plain language at the outset, and at least once a year, how they can be removed from their mailing and marketing lists. The customer may contact us at any time to remove their name from these lists.
• Whenever we use a third party to provide support services to us, we require that the third party adhere to our confidentiality standards and allow us to inspect and verify their compliance.
• For credit reporting, compliance and risk management purposes, we exchange information about our customers with reputable reference sources and clearing house services.
• We strive to keep our customer files complete, accurate, correct and up to date. We will tell our customers how and where they can conveniently access their account information (except where prohibited by law) and how they can notify us of errors so that we can correct them promptly.

We will continually evaluate ourselves to ensure that we fully adhere to our standards for the confidentiality of our customers’ information. We will conduct our business in a manner that ensures that we fulfill our promise in all the communities in which we operate.

This section explains our policy regarding any personal information you may provide to us when you visit this site. Our goal is to protect your information online to the same level of protection we provide to you in all other locations in which we deal with you in branches, at Alinma ATMs and on Alinma Phone.

Privacy notice

Alinma Bank respects your privacy and is committed to protecting the personal data we collect and process in accordance with the Kingdom of Saudi Arabia Personal Data Protection Law issued by Royal Decree No. (M/19) dated 9/2/1443H, and other applicable regulations in the Kingdom.

This Notice, governed by the applicable regulatory requirements, explains how we responsibly and lawfully collect and process your personal information, and how we protect your privacy.

We recognize that it is important for you to know how we deal with your personal and financial information. When we say “we” this means Alinma Bank and our trusted partners who provide services to us. These include our contracted Third Parties, including but not limited to advertising agencies, technology providers, social media partners, etc.

Name: Alinma Bank

Address: AlOlya, Riyadh, Saudi Arabia

Website: www.alinma.com

Phone: +966112185555

Contact Information of the Personal Data Protection Officer (PDPO):

Address: AlOlya, Riyadh, Saudi Arabia

Email: data.privacy@alinma.com

Date of Last Update

This Privacy Notice was last updated in September 2024. We may update this Privacy Notice from time to time in response to legal, regulatory, or operational changes. Any changes will be posted on our website with the updated date.

What Personal Data is collected?

Personal Data is any data, regardless of its source or form, that may lead to identifying an individual specifically, or that may directly or indirectly make it possible to identify an individual, including name, personal identification number, addresses, contact numbers, license numbers, records, personal assets, bank and credit card numbers, photos and videos of an individual, and any other data of personal nature.

We collect and process the following Personal Data:

• Personal Identification Information: Full name, date of birth, gender, nationality, identification numbers (e.g., national ID, passport number).
• Contact Information: Address, phone numbers, email addresses.
• Financial Information: Bank account numbers, transaction histories, credit scores, loan details.
• Employment Information: Employer name, job title, salary, employment history.
• Other Personal Data: Marital status, dependents, and any other information necessary for providing our banking services.
• Communication information such as phone calls, chats, date and duration of the conversation, messages and emails.
• Bank Internal identifiers such as the customer identification number (CIF), account number, loan number, etc.
• Sensitive Personal Data as required by regulatory bodies such as Biometric information (face ID, fingerprints, etc.), your health data, criminal convictions or felonies, etc.

Mandatory Data

Certain personal data is mandatory for us to provide our banking services and comply with legal obligations. Failure to provide this data may result in our inability to offer certain services.

Optional Data: Some personal data is optional and is collected to enhance our services and customer experience. You may choose not to provide this data without affecting the core services we offer.

How do we collect and use your Personal Data?

Some of the Personal Data that we process is obtained directly from you through account opening forms, loan applications, online banking portals, and customer service interactions either in-person or online.

We also obtain some Personal Data indirectly from third parties such as Credit reference agencies, Fraud prevention agencies, regulatory authorities, other banks or financial institutions and publicly available sources.

We gather and process data through cookies, tracking technologies, and other methods from various sources, including our KSA branches, Alinma websites, applications, phone calls, emails, and device identifiers.

We also obtain information about additional cardholders, account holders, business partners, dependents, family members, representatives, and agents.

For corporate banking, we collect personal data on representatives, employees, shareholders, and beneficial owners.

What are the purposes for collection and processing?

We only use Personal Data for the purpose it was collected for. We process your Personal Data for the following reasons:

• Account Management and Service Provision, including processing transactions.
• Customer Support and Communication regarding your accounts, products, or services.
• Compliance with Legal and Regulatory Requirements applicable to the financial sector in the KSA.
• To verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.
• To assess credit risk and manage credit facilities.
• For marketing, with your consent, and to provide you with personalized offers.
• Fraud Prevention and Security
• Awareness Activities
• Service Improvement and Development
• Profiling

How do we disclose your Personal Data?

Internal Sharing: Personal data may be shared within Bank Alinma for operational and administrative purposes.

External Sharing: Personal data may be shared with:

• Regulatory bodies, including SAMA and law enforcement agencies, as required by law.
• Third-party service providers, to support our operations.
• Credit reference agencies and fraud prevention organizations.
• Other banks or financial institutions involved in a transaction you initiate.
• Auditors, lawyers, or professional advisors as part of our legal and compliance activities.

We ensure that these third parties adhere to strict data protection standards through contractual agreements in line with the requirements from KSA PDPL.

Transfer outside the Kingdom

Where we transfer your data outside of the Kingdom of Saudi Arabia, we ensure that appropriate safeguards, as required by the KSA PDPL, are in place, including contracts and international agreements.

Legal Basis for Collecting and Processing Your Personal Data

In accordance with the Personal Data Protection Law, the legal basis on which we rely in processing such data is:

• In fulfillment of a contractual obligation (e.g. client servicing, customer support management, account management).
• In compliance with a statutory obligation based on SAMA and other regulatory bodies (Compliance with rules and directions from competent authorities and KSA Laws)
• Achieving legitimate interests or objectives (e.g. Management and protection of the Bank’s assets and technology equipment)
• Your explicit consent. You can withdraw your consent at any time without affecting processing operations carried out based on other legal bases (e.g. Direct Marketing and profiling).
• Maintaining vital interests.

If you want to review, exercise any of the above rights, please contact the Personal Data Protection Officer (PDPO).

How do we store, retain and destroy your Personal Data?

Personal Data is only stored for as long as it is necessary to fulfil the purposes for which it was collected. Your Personal Data is stored securely either at the bank’s headquarters or at a cloud computing service provider complying with the Saudi Central Bank (SAMA) guidelines.

We implement technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, and destruction. These measures include encryption, access controls, and regular security assessments to maintain data integrity and confidentiality.

Personal Data is retained for defined retention periods in line with regulatory, legal, and professional body standards and guidelines. This length of time may vary depending on individual circumstances. We regularly review our data retention period to ensure we are not keeping Personal Data for longer than necessary.  

We may retain your data after the termination of our banking relationship to fulfill legal and regulatory obligations (including statutory retention periods), comply with judicial orders, adhere to internal policies, or if it aligns with the Bank's legitimate interests.

After the retention period, we will securely dispose of such data in a manner that prevents access or retrieval.

Your Rights Regarding Processing of Your Personal Data

Under Personal Data Protection Law, you have the following rights, which primarily depend on the purpose of Personal Data collection and processing:

• Right to Be Informed: You are entitled to be informed how we collect your personal data, legal basis for collection and processing, how such data is processed, stored, destroyed, and to whom it will be disclosed. You can access all details through the Privacy Notice or contact us using the above-mentioned information.
• Right of Access to Your Personal Data: You are entitled to request access to your Personal Data.
• Right to Request Access to Your Personal Data: You are entitled to request access to your Personal Data held by the Controller in a readable and clear format if technically feasible through our systems.
• Right to Request Correction of Your Personal Data: You are entitled to request correction of your Personal Data that you believe is inaccurate, incorrect or incomplete. Such data will be reviewed and updated within 30 days which may be extended as allowed by law. In addition, you will be notified via email.
• Right to Request Destruction of Your Personal Data: You are entitled to request destruction of your Personal Data in certain circumstances.
• Right to Withdraw Your Consent for Processing Your Personal Data: You are entitled to withdraw your consent for processing your Personal Data at any time unless there are legal bases that require otherwise. In case of submitting a request for exercising this right, you will receive a response within 30 days as of the request receiving date.

For further details regarding the processing of your Personal Data and how to exercise your rights, you can contact the Personal Data Protection Officer (PDPO) using the above-mentioned contact details.

Here are common areas where restrictions might apply on the above-mentioned rights:

• Public Security and Law Enforcement: Data subject rights may be restricted if honoring them interferes with public and national security or law enforcement activities.
• Compliance with Legal Requirements: The Bank may retain data or deny deletion requests to comply with statutory or regulatory obligations, such as record retention laws in finance or healthcare.
• Archiving, Research, and Statistics: Restrictions may be placed when personal data is processed for purposes of archiving in the public interest, scientific or historical research, or statistical purposes.
• Confidentiality and Intellectual Property: Granting access to or correcting data might infringe upon the rights of others, such as breaching confidentiality or intellectual property rights.
• Business Interests: The Bank may invoke restrictions if complying with data subject rights requests would adversely affect trade secrets, commercial interests, or sensitive operational information.

Your will be provided with the justification regarding the restriction that might apply.

Complaint or Objection Filing Method

If you have any concerns or a complaint, you can contact us using one of the following channels: visiting bank branches, contacting the call center (920028000), or contacting the Personal Data Protection Officer (PDPO) via email (data.privacy@alinma.com).

If you are not satisfied with how we process your complaint, or if we fail to respond within 30 days, you can file a complaint with SAMA.