As your financial services partner, Mashreq understands that your trust in us is
our most important asset. In order to preserve that trust, we want you to clearly
understand what personal information we collect about you and how we use it. As
a Mashreq customer, you have the opportunity to opt out from marketing communication
lists or to specify your preferred channel of communication to receive notification
of our latest offers and promotions.
To give you effective and convenient access to a broad range of financial products
and services, we use technology to manage and maintain customer information.
We understand the need to safeguard sensitive information that you have entrusted
your needs. It also explains what types of information we collect and under what
circumstances we may share it.
Mashreqbank collects only relevant information about you that is needed to establish
and maintain your account and services as the law allows or requires us to collect.
We may collect personal and financial information about you that is "non-public."
Non-public personal information is information about you that we obtain in connection
with providing a financial product or service to you. The information we collect
varies depending on the accounts and services you request and use. We collect information
about you from the following sources:-
We retain personal information from any application you submit for deposit accounts,
Electronic Fund Transfers (EFT) services, loans or other Bank services. This includes
but is not limited to information such as name, postal and e-mail address, phone
numbers, employment and financial status, and credit history.
We retain the transaction information any time you make a transaction on one of
your accounts, including ATM or card transactions, loan advances, transactions through
Internet Banking, over the phone or at a branch. The transaction information includes
your account number, date, amount, location of the transaction and any other pertinent
We obtain information online when you visit our website www.mashreqbank.com. This
includes retaining information you provide us on any online application, Internet
banking transaction or information you send to us by e-mail.
In order to provide financial services to you, we share certain information about
you with our affiliates (click here for a list of affiliates). We
may share personal information (such as name, address and account number) and account
information (such as type of accounts, account balances and transaction history)
with our affiliates so that they can serve you more efficiently. Our affiliates
maintain the same privacy standards as the Bank.
In order for us to conduct our operations, including servicing your account or processing
your transactions, we may need to share information with our service providers,
including data processing companies, cheque, ATM, and other payment processing companies,
payment networks, loan service providers, insurance companies, collection agencies,
credit reporting agencies and financial service providers with whom we have joint
marketing agreements. These service providers act on our behalf and have agreed
in writing to keep the customer information we provide to them confidential. We
share the following categories of information with third-party service providers
depending on the specific services provided:
We do not share your account numbers with independent third-party marketers offering
their own products and services. While we may assist in offering financial products
and services of our affiliates or other financial service providers, we control
the customer information used in connection with these offers.
We may share your customer information in response to a lawful request issued by
We may also share your information in response to a request made by a merchant or
business necessary to effect, administer or enforce a transaction that you had requested
or authorized in connection with the servicing or processing of a financial product
or service, or to maintain or service your account with us.
We maintain strict policies and security controls to assure that customer information
in our computer systems and files is protected. Our employees and contractors are
only permitted access to customer information that they may need to perform their
jobs and to provide services to you. Our employees and contractors have access to
such customer information as necessary to conduct a transaction or respond to your
inquiries. All employees and contractors are required to respect customer privacy.
No one except our employees and contractors has access to the Bank’s computer system
and records storage. The Bank has established internal security controls, including
physical, electronic and procedural safeguards to protect the information you provide
to us and the information we collect about you. We will continue to review our internal
security controls to safeguard your customer information as we employ new technology
in the future.
Mashreq works hard to ensure that the customer information we maintain is complete
and accurate. We have procedures and processes for updating our customer information
as well as removing old, outdated information. We have measures in place to protect
the integrity of customer information such as maintaining back-up copies of account
data in the event of power outages or other business interruptions. We use computer
virus detection and eradication software and employ other technical means (known
as "firewalls") to protect against unauthorized computer entry into systems containing
From our website (http://www.mashreqbank.com/
), you may apply for accounts and services, and you may communicate with us via
e-mail. To protect the information you provide to us online, we use multiple levels
of security. When you log onto our website, you will only be able to successfully
access it if your computer has an up-to-date browser (i.e., Internet Explorer, FireFox,
Mozilla, Netscape, etc) that operates at a high level of data encryption (128 bit).
This ensures that there is an adequate level of security for online activity. Generally,
e-mail communication over the Internet cannot be assumed to be secure. If we ask
you to e-mail us information other than your name, address, e-mail address and phone
number, we will always use the secure encrypted e-mail facility available on mashreqonline
when you sign on to view your accounts. Our firewalls protect Mashreqbank’s systems,
only permitting access to authorized users. This gives you comfort that you are
indeed connected to a genuine Mashreqbank server. Our server security standards
and policies are certified by Thawte, one of the world’s most prominent technology
security organizations (click here for more details). Only registered users will
have an access to mashreqonline by using their password. Additional security measures
are in place to effect funds transfer requests through mashreqonline.
with customers who sign on to our online banking services, to make access more pleasant
and convenient. The cookie generated once you sign on to our online banking service
expires as soon as you log out or at a predefined time, and to protect your privacy
we do not store any sensitive information such as customer information in the cookie.
To find out more information about cookies, please visit
relationship with us. We may amend this Policy at any time, and we will inform you
of changes as required by law. You can always review our current Policy on our website
If you have any questions about our privacy practices write to us at Mashreqbank,
Attn: Customer Care Center, P.O. Box 1250, Dubai, UAE.
Keeping your account information accurate and up-to-date is very important. If you
ever find that your account information is incomplete, inaccurate or not current,
please sign onto mashreqonline to update your information or contact our Customer
Care Center at +971 4 424 4444 and our agents will promptly update or correct
any erroneous information.
As a Mashreqbank customer, we let you select your preferred channel of communication
for marketing updates sent to you on a periodic basis. Your choices include the
*Customers may still receive marketing information with account statements posted
to them. The opt out does not affect this.
If you have opted for marketing via SMS banking, as part of our Customer Contact
Rule we shall restrict the time for dispatch of messages between 8 am to 7 pm.