1. This Privacy Policy outlines how we, IBAS, collect, use, and protect your personal information.

    1. 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. This information may include:
      1. Your name, address, date of birth, bank accounts, and other identifying information
      2. Your employment information, including your occupation and income
      3. Your financial information, including your assets, debts, and credit history
      4. Your transaction history with us and other financial institutions
      5. Your online activity, such as your IP address and browsing history
    2. We may also collect information from third-party sources, such as other private institutions and public records.

    1. We use your personal information to:
      1. Process your account opening, loan application, or other requests
      2. Provide you with our products and services
      3. Verify your identity and prevent fraud
      4. Communicate with you about your account and our products and services
      5. Comply with legal and regulatory requirements
      6. Conduct research and analysis to improve our products and services
    2. We may also use your information for marketing purposes, such as to offer you products and services that may be of interest to you.

    1. We may share your information with:
      1. Our business partners subsidiaries, for business purposes
      2. Service providers who help us provide our products and services, such as processing transactions and sending communications
      3. Central Bank of Kosovo and other third-party sources to verify your information and prevent fraud
      4. Government agencies and law enforcement, as required by law or to protect our legal rights
    2. We do not sell your personal information to third parties for marketing purposes.

    1. We take reasonable measures to protect your personal information from unauthorized access, disclosure, and use. These measures include:
      1. Physical safeguards, such as secure buildings and locked file cabinets
      2. Technical safeguards, such as firewalls and encryption
      3. Administrative safeguards, such as policies and procedures for data access and security
    2. We also require our service providers to maintain appropriate security measures to protect your information.

    1. You may choose not to provide us with certain personal information, but this may limit our ability to provide you with our products and services. You may also opt out of receiving marketing communications from us by following the instructions in the communication.

    1. You have certain rights regarding your personal information, including:
      1. The right to access and receive a copy of your personal information
      2. The right to correct any inaccurate or incomplete personal information
      3. The right to request that we delete your personal information
      4. The right to object to the processing of your personal information for certain purposes
      5. The right to restrict the processing of your personal information under certain circumstances

    1. If you have any questions or concerns about our Privacy Policy or our use of your personal information, please contact us at:
      +383 38 600 300

    1. We may update this Privacy Policy from time to time. We will notify you of any material changes by posting a notice on our website or by other means. Your continued use of our products and services after such notice constitutes your acceptance of the updated Privacy Policy.

Thank you for choosing IBAS for your banking needs!

We're thrilled to welcome you on board. In compliance with regulatory requirements, we kindly request you to download our app and commence the KYC/KYB process, which is a legal prerequisite for opening a banking account.

The process is straightforward and comes with the necessary guidance.

Experience Innovative Banking and Attractive Solutions (IBAS) to the fullest!

Choose the store for downloading the application.

Dear applicant,

We are happy to inform you that you applied successfully. Our team will contact you soon and will let you know for the next steps.

I/E nderuar,

Jemi të lumtur t'ju informojmë se keni aplikuar me sukses. Ekipi ynë do t'ju kontaktojë së shpejti dhe do t'ju njoftojë për hapat e ardhshëm.

We regret to inform you that your application was not successful. This outcome could be attributed to technical issues or internet interruptions. We encourage you to consider reapplying at a later time. Until the issue is resolved, please contact us through Facebook, Instagram, in our app, or call us at 038600300. Thank you for right understanding.

Me keqardhje ju informojmë se aplikimi juaj nuk ishte i suksesshëm. Ky rezultat mund t'i atribuohet çështjeve teknike ose ndërprerjeve të internetit. Ne ju inkurajojmë të konsideroni riaplikimin në një kohë të mëvonshme. Deri sa të zgjidhet çështja, ju lutemi na kontaktoni përmes Facebook-ut, Instagram-it, në aplikacionin tonë, ose na telefononi në 038600300. Faleminderit për mirëkuptimin tuaj.