Privacy Policy

Last Updated: July 2025

1. Our Commitment

At Rafidain Bank, safeguarding your personal and financial information is our highest priority. This Privacy Policy outlines how we collect, use, store, and protect your data in compliance with international banking standards and regional data protection laws.

2. Information We Collect

We collect necessary information to provide you with secure banking services, including:

• Identity Data: Name, government-issued IDs, passport details, and date of birth.
• Financial Data: Account balances, transaction history, and credit profile.
• Technical Data: IP addresses, browser types, and secure session tokens when accessing our online portals.

3. How We Use Your Data

Your data is strictly utilized for core banking functions, including processing transactions, preventing fraud, assessing creditworthiness, and complying with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. We do not sell your personal data to third-party marketers.

4. Data Security Architecture

We employ military-grade AES-256 encryption, multi-factor authentication (MFA), and continuous network monitoring to secure your digital footprint. Our data centers are fully redundant and audited annually by independent cybersecurity firms.

5. Use of Cookies

Our website utilizes cookies to enhance user experience, maintain secure login sessions, and analyze traffic patterns. You can manage your cookie preferences through your browser settings, though disabling mandatory secure cookies may prevent access to the banking portal.

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If you have any questions regarding your data privacy, please reach out to our Data Protection Officer.