1. Purpose
This Privacy Policy outlines how we, IBAS, collect, use, and protect your personal information.
2. Information we collect
We collect personal information from you when you open an account, apply for a loan or credit, use our products or services, or otherwise interact with us.
We may also collect information from third-party sources, such as other private institutions and public records.
Health and Fitness Data may be processed only where explicit permission has been granted by the user.
- Your name, address, date of birth, bank accounts, and identifying information
- Your employment information, occupation, and income
- Your financial information, including assets, debts, and credit history
- Your transaction history with us and other financial institutions
- Your online activity, such as IP address and browsing history
3. How we use your information
We use your personal information to provide, verify, protect, and improve IBAS products and services.
- Process account opening, loan applications, and other requests
- Provide products and services
- Verify identity and prevent fraud
- Communicate with you about your account and our products
- Comply with legal and regulatory requirements
- Conduct research and analysis to improve our services
4. Sharing your information
We may share information where required for business, regulatory, security, or legal purposes.
- Business partners and subsidiaries for business purposes
- Service providers who help us process transactions and communications
- Central Bank of Kosovo and other third-party sources for verification and fraud prevention
- Government agencies and law enforcement where required by law
5. Protecting your information
We take reasonable measures to protect your personal information from unauthorized access, disclosure, and use.
- Physical safeguards, such as secure buildings and locked cabinets
- Technical safeguards, such as firewalls and encryption
- Administrative safeguards, such as policies and access controls
6. Your Choices
You may choose not to provide certain personal information, but this may limit our ability to provide products and services. You may also opt out of marketing communications by following the instructions in the communication.
7. Your Right
You have certain rights regarding your personal information, including:
- The right to access and receive a copy of your personal information
- The right to correct inaccurate or incomplete personal information
- The right to request deletion of your personal information
- The right to object to processing for certain purposes
- The right to restrict processing under certain circumstances
8. Contact Us
If you have any questions or concerns about this Privacy Policy or our use of your personal information, please contact us at info@ibas.world or +383 38 600 300.
9. Changes to this Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting a notice on our website or by other means.
