Mobile Banking Privacy Policy

Information updation

It is our endeavour to keep customer information up-to-date. We may encourage our customers to update their information in our records from time to time.

Use of Information and Materials

The access and usage of Dhofar Islamic mobile banking products, services, information and materials are restricted to the jurisdiction where Dhofar Islamic legally offers them. They may not be accessed and used by anyone who is residing or located in jurisdictions that restrict the usage of such products, services, information and materials. More information about such access may be obtained by visitors from a competent authority in such locations and jurisdictions, and visitors are wholly responsible for their actions in case they do not adhere to the same.

The information and materials in Dhofar Islamic mobile banking service, terms and conditions, products and services, descriptions and customer service pages are subject to change at the convenience of Dhofar Islamic with or without any prior notification.

Usage of the information and materials available on the Dhofar Islamic mobile banking service in an illegal or unauthorized manner is prohibited. This includes unauthorized entry into the Dhofar Islamic website, Dhofar Islamic Online Internet Banking, misuse of passwords, misuse or wrong representation of any information available on the pages, and/or any such illegal activity. Dhofar Islamic may restrict access to any or all products and services from a specific location at its discretion.

All logos, trademarks, and material available on Dhofar Islamic Online are copyrighted and owned by Dhofar Islamic. None may be modified, reproduced, copied, downloaded, transmitted, or used for commercial or public purposes. Users of these services are restricted from using any of the same without express written permission by an authorized representative of Dhofar Islamic.

No Warranties

Dhofar Islamic Banking Services - BankDhofar SAOG aspires to take every precaution and care to offer accurate information on products and services and error-free access. However, Dhofar Islamic offers no warranty – express or implied - regarding security, accuracy, protection against cybercrimes and viruses and non-infringement. In addition, Dhofar Islamic offers no warranty for information transmitted over the internet or mobile network which is subject to communication blackouts, overloading of networks, incorrect or inaccurate information, and other problems related to using a public internet service. Dhofar Islamic is not responsible for any direct, indirect or consequential damages arising out of the use of Dhofar Islamic Online.

Limited Liability

Dhofar Islamic is not liable for any direct or indirect damages, incidental or consequential damages, losses or expenses arising in connection with the usage of Dhofar Islamic Online related to failure of Internet Services, errors or omissions, technical faults, disruption of services phishing, system failure or otherwise.

User Data:

We collect information such as: personal data, Location information, Device Information, Biometric information, Transaction Data, mobile numbers, and Other information such as information relating to your occupation and financial situation such as employer’s name and address if self-employed, type of account, and nature and volume of anticipated business dealings, with the conventional bank licensee, income proof, bank statements, income tax returns, salary slip, contract of employment, passbook, debit card/credit card details, expenditure, assets and liabilities, source of wealth and signature.

Permission / Feature used in application	Usage Description
Phone	We use this permission to identify your device information and enable the user for easier/preferred login
SMS	We use this permission - To autofill OTPs you receive via SMS on your device.
Storage	We use storage access - Downloading your statements and transaction receipts to your local device storage. - uploading images for your profile/ beneficiaries.
Camera/ Gallery	We use this camera / gallery access - To scan the QR codes for mobile payments and transactions. - To scan Debit & Credit card information to retrieve cards transaction details - To scan the cards and passports for Mobile Banking on boarding process. - To capture the pictures or access gallery for the profile photo, beneficiary photo while using the application.
Contact	We use this contact - To send money to any contact from your contact book. - To show you the list of your contacts that you can make a recharge for. - To register for Mobile Payments using mobile number from contact list.
Locations	We use this location information to identify and display nearest ATM, Branch and CDM with distance
IMEI/SECURE.ANDROID_ID	We use this information to identify & tie up for the uniqueness of the device that belongs to the user. Based on this information application asks user to register or login on launch of the application.

Governing Law

The use of the services provided through Dhofar Islamic mobile banking shall be governed by the laws of the Sultanate of Oman and no other country. The Omani court has the right to clarify/ explain / interpret the clarification in accordance to the applicable laws in the Sultanate of Oman, even if the transaction is done outside Oman. The Bank accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than the Sultanate of Oman. The mere fact that the Dhofar Islamic Online can be accessed through the Internet by a Customer in a country other than Oman shall not be interpreted to imply that the laws of the said country govern these terms and conditions and/or the operations in the Internet accounts of the Customer and/or the use of Mobile Banking service.