IMPORTANT NOTICE: Please read these terms and conditions carefully. By accessing this website and any
of its pages you are agreeing to the terms mentioned below. If you do not agree to the terms and conditions
mentioned below, do not access this site, or any pages thereof.
By accessing Meethaq Islamic Banking’s (“Meethaq”) online platform, I hereby acknowledge and accept
the terms and conditions applicable and available on the application form and on the sites hosted by
Meethaq https://www.meethaq.om and https://online.meethaq.om/English and any other domain owned by
Meethaq.
The Products and Services are offered only in jurisdictions where and when they may be lawfully offered
by Meethaq and the material on these pages is not intended for use by persons located in or resident in
jurisdictions which restrict the distribution of this material by Us.
Persons accessing these pages are required to inform themselves about and observe any relevant
restrictions.
Our business has been built on trust between our customers and ourselves. We have a duty to safeguard
and keep confidential any information relating to our customers and their financial affairs. Whether it is
provided to us in person at one of our branches, over the phone, when using an ATM or while visiting this
Website, We will strive at all times to ensure that the information is kept confidential and secure. Your
privacy is important to Meethaq. That is why, as a customer of Meethaq, You are assured of the following
Privacy Policy (the “Policy”) which is as follows:
In these terms & conditions:
Interpretation: Capitalized terms shall have the meanings defined hereunder. The following definitions
shall have the same meaning regardless of whether they appear in singular or plural.
Definitions: For the purposes of this Privacy Policy, the terms stipulated below shall have the following
meaning:
1.1. Associates shall mean Meethaq Islamic Banking’s employees, officers, directors, associates and agents;
1.2. Browser shall mean a computer program with a graphical user interface for displaying and navigating
between web pages;
1.3. Clickstream shall mean a user's activities on the World Wide Web as represented by the sequence of
links they click on;
1.4. Device shall mean any electronic device used for the purposes of accessing the Website;
1.5. Internet shall mean a global system of interconnected computer networks that uses a specific protocol
to communicate between networks and devices;
1.6. ISP shall mean Internet Service Provider;
1.7. Meethaq (can be referred to us “We”, “Us”, or “Ours” in this Policy) shall mean Meethaq Islamic
Banking, a public joint stock company, duly registered in accordance with the laws of the Sultanate of
Oman under commercial registration number 1/14573/8, and having its registered address at P.O. 134,
Postal Code 112, Ruwi, Sultanate of Oman;
1.8. OS shall mean Operating System of a Device / Personal Computer;
1.9. Personal Data shall mean any identifiable personal information that pertains to an individual;
1.10.Privacy Promise shall mean the bank commitments to take a sequence of actions to avoid or treat a
specific privacy concerns for its customers;
1.11.Products and Servicesshall mean the features and offering available in Meethaq applications and web
sites;
1.12.Profiling Information shall mean the process of construction and application of user profiles generated
by computerized data analysis. This is the use of algorithms or other mathematical techniques that
allow the discovery of patterns or correlations in large quantities of data, aggregated in databases.
When these patterns or correlations are used to identify or represent people, they can be called
profiles;
1.13.Retention Period shall mean the records life cycle that identifies the duration of time for which the
information should be maintained or "retained," irrespective of format (paper, electronic, or other);
1.14.Website shall mean https://www.meethaq.om and https://online.meethaq.om/English and any other
domain owned by Meethaq, which may be subject to amendment from time to time;
1.15. You/User/Person shall mean the individual or entity accessing or using Meethaq Islamic Banking’s
online platform.
2.1. Meethaq will safeguard, according to strict standards of security and confidentiality, any information
our customers share with us.
2.2. Occasionally, Meethaq may collect personal information from visitors who voluntarily submit personal
information to us. We may use such information for sending such visitors details of our banking
Products or Services, and other marketing materials which may be of interest to such Users, or invite
such Users to participate in market research and surveys and other similar activities.
2.3. Meethaq will limit the collection and use of customer information to the minimum required to deliver
superior service to our customers, which includes advising Our Products or Services, and other
opportunities, and to administer our business.
2.4. We will permit only authorized employees, who are trained in the proper handling of customer
information, to have access to that information. Employees who violate Our Privacy Promise will be
subject to our normal disciplinary process.
2.5. We will always maintain control over the confidentiality of our customer information. We may,
however, facilitate relevant offers from reputable companies. These companies are not permitted to
retain any customer information unless the customer has specifically expressed interest in their
products or services.
2.6. In addition, the Personal Data collected from you may be transferred to, stored, processed or
otherwise administered by third party agents, contractors or service providers who provide
administrative, telecommunications, computer and other data mining and processing services.
However, we will strive at all times to ensure that the information is kept confidential and secure.
2.7. For purposes of credit reporting, verification and risk management, we will exchange information
about our customers with reputable reference sources and clearinghouse services.
2.8. We will not use or share - internally or externally - personally identifiable medical information for any
purpose other than the underwriting or administration of a customer's policy, claim or account, or as
disclosed to the customer when the information is collected, or to which the customer consents.
2.9. We will attempt to keep customer files complete, up-to-date, and accurate. We will tell our customers
how and where to conveniently access their account information (except when we're prohibited by
law) and how to notify us about errors which we will promptly correct.
2.10. The above terms set out Our Policy in respect of personal information provided by visitors to the
Website. If You are also a customer of Meethaq, the privacy of the personal information provided by
You as a User will also be governed by our privacy norms applicable to personal information of
customers. In particular, the personal information provided by you as a User may be used for purposes
other than those provided in the terms and conditions governing your account.
2.11. We will continuously assess ourselves to ensure that customer privacy is respected. We will conduct
Our business in a manner that fulfils our Privacy Promise in the many nations in which We do business.
2.12.Meethaq encourages its Users to read Our Security Policy which can be found at
https://www.meethaq.om and https://online.meethaq.om/English.
3.1. In addition to the information you choose to leave when requested by Meethaq, your visit to this site
will record non-personal (Browser, ISP, OS, Clickstream information) and Profiling Information (age,
gender). Such information will be used to prepare aggregate information about the number of visitors
to the site and general statistics on usage patterns. In addition to Our duty of confidentiality to
customers We observe the following principles:
3.1.1. collection of Personal Data from customers shall be for purposes relating to the provision of
financial services or related products;
3.1.2. all practical steps will be taken to ensure that Personal Data are accurate and will not be
kept longer than necessary or will be destroyed in accordance with the internal Retention
Period;
3.1.3. Personal Data will not be used for any purposes other than the data that were to be used at
the time of collection or purposes directly related thereto
3.1.4. Personal Data will be protected against unauthorised or accidental access, processing or
erasure;
3.2. A customer's Personal Data is classified as confidential and can only be disclosed where legally
compelled to do so or to the extent required by law or regulation or pursuant to an order of any
government authority, or court of competent jurisdictions.
4.1. Products and Services referred to in this Policy are offered only in jurisdictions where and when they
may be lawfully offered by Meethaq. The materials on these pages are not intended for use by Users
located in or resident in jurisdictions that restrict the distribution of such materials by Us. Users
accessing this Website is required to inform themselves about and observe any relevant restrictions.
4.2. The information and materials contained in these pages, and the terms, conditions, and descriptions
that appear herein are subject to amendment at the sole discretion of Meethaq, without the need to
provide any notice to the Users of any such amendment.
4.3. Unauthorized use of Meethaq’s Websites and systems including but not limited to unauthorized entry
into Meethaq’s systems, misuse of passwords, or misuse of any information posted on a site is strictly
prohibited. Not all products and services are available in all geographic areas. Your eligibility for
particular Products and Services is subject to final determination by Meethaq.
4.4. The Website should not be regarded as an offer or solicitation to sell investments or make deposits in
any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such
jurisdiction.
4.5. The information contained in these pages, whether provided by the Meethaq or other information
provider, is not intended to provide professional advice and should not be relied upon in that regard.
Persons accessing these pages are advised to obtain appropriate professional advice when necessary
5.1. Meethaq retains ownership of all of the trademarks, logos and service marks displayed on the Website
(“Meethaq’s Intellectual Property”). Under all circumstances, Users are prohibited from using
Meethaq’s Intellectual Property in any manner.
5.2. No materials on the Website may be modified, reproduced, reverse engineered, stored in a retrieval
system, transmitted (in any form or by any means), copied, distributed, used for creating derivative
works or used in any other way for private, commercial, or public purposes without the Meethaq’s
express prior written consent.
While extensive care has been taken in preparing the information and materials contained in the Website, such information and materials are provided to You on an "as is" basis, without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from malware, hacking, phishing, or computer virusesis given in conjunction with such information and materials.
Meethaq is not responsible for the contents available on or the set-up of any other websites linked to this Website. Access to and use of such other websites is at the User's own risk and subject to any terms and conditions applicable to such access/use.
8.1. Messages sent over the Internet cannot be guaranteed to be completely secure. Meethaq shall not be
responsible for any damages incurred by Users if they send a message to Meethaq, or if Meethaq sends
a message to them at their request, over the Internet. Furthermore, Meethaq is not responsible in any
manner for any direct, indirect, special or consequential damages arising out of or in connection with
the usage of this Website, or the usage of any linked websites.
8.2. Communications over the Internet may be subject to interruption, transmission blackout, delayed
transmission due to Internet traffic, or incorrect data transmission due to the public nature of the
Internet.
In no event will Meethaq be liable for any damages, direct or indirect, special, incidental, or consequential
damages, losses or expenses arising out of or in connection with the use of this Website, or any linked
website, or inability to use by any party, or in connection with any failure of performance, error, omission,
interruption, defect, delay in operation or transmission, malware, hacking, phishing, computer viruses or
line or system failures faced or otherwise.
10.1.All information submitted to Meethaq on this Website shall be deemed and remain the property of
Meethaq.
10.2.Meethaq shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained
in information a User to this Website provides Meethaq through this Website.
10.3. Meethaq shall not be subject to any obligations of confidentiality regarding submitted information
except as agreed by the Meethaq entity having the direct customer relationship or as otherwise
specifically agreed or required by law.
10.4. Nothing contained herein shall be construed as limiting or reducing Meethaq's responsibilities and
obligations to customers in accordance with the Policy to its Users.
In the event that certain sections or pages on this Website may contain separate terms and conditions,
which are in addition to these terms and conditions. In the event of a conflict, the additional terms and
conditions will govern for those sections or pages.
The use of this Website shall be governed by all applicable laws of the Sultanate of Oman. It is hereby
confirmed and agreed that any dispute that arises out of or in connection with the usage of this Website
or any linked websites, shall be exclusively resolved by the competent courts of the Sultanate of Oman.