Avis sur la Confidentialité des Services Bancaires en Ligne
This Online Privacy Notice applies to Bank Audi's website. The notice describes and explains how this site may collect, use and share information from/about you.
Third Party Sites
Bank Audi may contract with advertising companies to promote products and services on websites not affiliated with the Bank. It may use combined data and information provided by you to these third party websites to select which advertisements or offers may appeal to you, display them to you and monitor your responses. Third party websites are not subject to the Bank Audi Online Privacy Notice. Please visit the individual websites for additional information on their data and privacy practices.
Social Media
Bank Audi may use social media platforms including, but not limited to, Facebook and LinkedIn to enable online sharing and collaboration among users. Any content you post on official Bank Audi managed social media pages, such as opinions, pictures, or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official Bank Audi social media page, you are also subject to the Terms & Conditions of Bank Audi Online Privacy Notices.
Security Measures
Personal and sensitive information is protected by security safeguards matching the sensitivity of the information. Safeguards against loss, theft, unauthorized access, copying, use or modification is addressed, including physical security measures (locks, restricted access areas, etc.), organizational measures (security clearances, authorization processes, etc.) and technological measures (passwords, encryption, multifactor authentication, etc.). The nature of the safeguards matches the level of information sensitivity.
Please make sure you keep your Username and Password confidential and log off from the online banking platform when your session is complete to prevent unauthorized access to your information. If you believe that your Username or Password were subject to unauthorized access, you should immediately call Bank Audi Help Desk and/or your branch manager.
Please avoid using regular email (hotmail, Gmail, yahoo, etc.) to share personal or confidential information with the Bank. Regular email messages sent online may be intercepted or altered since they travel in clear text.
Please make sure you keep your Username and Password confidential and log off from the online banking platform when your session is complete to prevent unauthorized access to your information. If you believe that your Username or Password were subject to unauthorized access, you should immediately call Bank Audi Help Desk and/or your branch manager.
Please avoid using regular email (hotmail, Gmail, yahoo, etc.) to share personal or confidential information with the Bank. Regular email messages sent online may be intercepted or altered since they travel in clear text.
Other Sites
Bank Audi may provide links to third party websites, such as merchants or service providers. If you follow links to websites not affiliated or controlled by Bank Audi, you should review their privacy and security policies and their terms and conditions, as they may be different from those of the Bank’s sites. Bank Audi is not responsible for and does not guarantee the security or privacy of these websites, including the completeness, accuracy, or reliability of the information published thereon.
Notice Updates and Changes
This Online Privacy Notice may be subject to change without prior notice. Changes to the notice posted on this site will become effective immediately. Using the site subsequent to posting these changes means that you agree to the revised notice.
Information Bank Audi May Collect Online
Bank Audi may collect Information that does not reveal your explicit identity or does not directly relate to a person, such as information collected through cookies, browser information, and other technologies, demographic information and other information that you provide.
The Bank may collect and use information in a variety of ways, including but not limited to:
The browsers of most computers, Smartphones and other web-enabled devices are typically set up to accept cookies. If you wish to adjust your cookie preferences for this site, you can do this through your browser settings. Your browser's “Help” function will guide you through it. You can reject these cookies and most browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience when using the site and some online products and services. For example, Bank Audi will not be able to recognize your device and you will need to answer a security question each time you log on.
The Bank may collect and use information in a variety of ways, including but not limited to:
- Browser: Some information is collected by the majority of browsers, such as your Media Access Control (MAC) address, operating system version, internet browser type and version as well as your screen resolution. Bank Audi may use this information to ensure that the site is functioning properly and for security reasons as well.
- Cookies: Cookies are small text files that are sent to and stored on your computer, Smartphone or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognize a user's device. Cookies Bank Audi uses do not hold or capture unencrypted personal information. Cookies allow the Bank to collect information such as pages visited and time spent on the site. This information is used for security purposes, to facilitate navigation, display information more effectively, personalize/customize your experience while visiting the site, and recognize your device to allow you to use the Bank’s online services. Statistical information about the usage of the site is collected to continually improve its design and functionality.
The browsers of most computers, Smartphones and other web-enabled devices are typically set up to accept cookies. If you wish to adjust your cookie preferences for this site, you can do this through your browser settings. Your browser's “Help” function will guide you through it. You can reject these cookies and most browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience when using the site and some online products and services. For example, Bank Audi will not be able to recognize your device and you will need to answer a security question each time you log on.
- IP Address: Your Internet Protocol (IP) address is a number that is automatically assigned to your device by your Internet Service Provider (ISP). Your IP Address is recognized and logged on the Bank’s servers whenever you visit the site. The time of the visit and the page(s) that were visited are also logged. IP Addresses are used for purposes such as calculating site usage levels, diagnosing server problems, for compliance and security purposes and for administering the site.
- Pixel tags, web beacons, or other technologies: These may be used to measure the effectiveness of Bank Audi communications, compile statistics about usage and response rates, evaluate the success of marketing campaigns, and to help resolve account holders’ inquiries.
- Combined Data: Combined Data is data that Bank Audi may create or combine from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, is used for business purposes, which may include research, marketing or analyzing market trends, offering products or services, and other purposes consistent with the applicable laws and regulations.
Information Accuracy
Personal and sensitive information should be as accurate, complete and up-to-date as necessary for its purposes of use. If you believe your account information is inaccurate, incomplete or not current, please contact a Customer Service Officer at your nearest branch.
Collection and Usage of Your Personal Information
Bank Audi collects personal and sensitive information in the normal course of business to provide services to clients. This information may be used:
- to communicate with you;
- to process your requests and ensure that the financial relationship with you is accurate and up-to-date;
- to verify your identity in order to allow access to your accounts;
- to make transactions and maintain measures aimed at preventing fraud and protecting the security of your account and personal information;
- to respond to your inquiries;
- to send you important information regarding the site, changes to the Online Banking Privacy Notice and Terms & Conditions, or any other administrative matter;
- to allow you to participate in surveys and promotions;
- for data analysis, audits, developing and enhancing the Bank’s products and services, and developing the site;
- for identifying usage trends and determining the effectiveness of promotional campaigns;
- for risk control, and fraud detection and prevention;
- to comply with laws and regulations;
- to send you marketing communications that may be of interest to you;
Advertising
Bank Audi may advertise on this site as well as on other affiliated websites. Information collected by Bank Audi or its advertising service providers through cookies and other technologies includes the number of people who surf the site, browsing patterns within the site, and responses to advertisements and promotions on the site and on websites where the Bank advertises.
Bank Audi may advertise products and services on this website, including offers of credit. These advertisements may take the form of splash ads (ads that appear as you sign on or sign off of your online accounts), banner ads, etc.
Bank Audi also resorts to advertising service providers to be able to determine which advertisements are most likely to be of interest to you, using certain information such as web pages visited, search keywords entered, or your activities on the site. The Bank limits access and collection of information to specific purposes for advertising service providers.
Bank Audi may advertise products and services on this website, including offers of credit. These advertisements may take the form of splash ads (ads that appear as you sign on or sign off of your online accounts), banner ads, etc.
Bank Audi also resorts to advertising service providers to be able to determine which advertisements are most likely to be of interest to you, using certain information such as web pages visited, search keywords entered, or your activities on the site. The Bank limits access and collection of information to specific purposes for advertising service providers.
Conseils pour la sécurité des informations
As part of Bank Audi's commitment and continuous efforts to keep your account and personal information safe and secure, here are a few useful tips you should follow:
Spyware and Viruses
Spyware and viruses are malicious programs (or bits of information) that are loaded onto your computer without your knowledge. These programs seriously compromise the security of your information; they can cause damage to your hardware, software or files, consume system resources, monitor your activities and collect sensitive information. Note that the presence of spyware is typically hidden and can be difficult to detect.
Tips to protect against Spyware and Viruses
Tips to protect against Spyware and Viruses
- Never open an email attachment from an unknown or suspicious source, or click on embedded links.
- Never download software from an unknown source.
- Verify the security and identity of websites prior to entering personal or financial information (as indicated above).
- Update your anti-virus and anti-spyware software regularly.
- Ensure that your sensitive data is regularly backed up.
Social Engineering
Social engineering is a technique used to manipulate people into performing actions or divulging confidential information by tricking or misleading them to bypass security measures and tools. The purpose is to gather confidential information from people through phone, email, regular mail, unsolicited text messages (SMS) or direct contact and use this information in illegal activities such as committing fraud, gaining unauthorized access to systems, etc.
Tips to recognize an act of social engineering
During a social engineering attack, the attacker usually:
Tips to avoid being the victim of social engineering
What you should do if you are the victim of social engineering
If you suspect you are a victim of a social engineering attack, immediately report the incident to Bank Audi’s Help Desk and/or your branch manager. Cancelling your credit card and/or changing your e-banking User ID and Password might be required depending on the nature of the information you revealed.
Tips to recognize an act of social engineering
During a social engineering attack, the attacker usually:
- Requests the victim to provide confidential and personal information.
- Refuses to provide specific information or indications that may reveal his/her identity.
- Uses different approaches and techniques that rely on confidence, persuasion, intimidation, assistance, etc.
- Attempts to mislead and/or intimidate the victim in order to obtain quick and spontaneous responses.
Tips to avoid being the victim of social engineering
- Always be suspicious of unsolicited phone calls or emails from individuals requesting personal or confidential information. Verify their identity first by contacting their organization directly.
- Do not use contact information provided by these individuals; instead, check previous statements or other sources for contact information.
- Always check whether the individual requesting sensitive information is authorized to have this information.
- Do not be influenced by the attackers’ attitude and do not take what you are told for granted. Always verify the identity of the requester and his/her authority to have the information.
What you should do if you are the victim of social engineering
If you suspect you are a victim of a social engineering attack, immediately report the incident to Bank Audi’s Help Desk and/or your branch manager. Cancelling your credit card and/or changing your e-banking User ID and Password might be required depending on the nature of the information you revealed.
Fraudulent Emails and Websites
Phishing is defined by Wikipedia (www.wikipedia.org) as “the criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication. Communications purporting to be from popular social websites, auction sites, online payment processors or IT administrators are commonly used to lure the unsuspecting public. Phishing is typically carried out by email or instant messaging and it often directs users to enter details at a fake website whose look and feel are almost identical to the legitimate one. Even when using server authentication, it may require tremendous skill to detect that the website is fake. Phishing is an example of social engineering techniques used to fool users and exploits the poor usability of current web security technologies”.
Tips to recognize phishing emails
Tips to avoid being the victim of phishing attacks
Important Note: Beware that Bank Audi will never ask clients to update or verify their personal details by email.
If you receive a suspicious email claiming to originate from Bank Audi asking you for sensitive information, do not respond or follow links in the email: simply delete the message.
What you should do if you are the victim of phishing
Tips to recognize phishing emails
- Emails that contain specific expressions in the subject or body text, similar to the following:
- "Verify your account."
- "If you don't respond within 48 hours, your account will be closed."
- "Dear Valued Customer,"
- "Click the link below to gain access to your account."
- Urgent requests to confirm, verify or authenticate your personal information, otherwise your account will be closed.
- Offers that help you earn money by transferring cash.
- Although this doesn’t always necessarily apply, typos or grammatical errors, language mistakes and poor design or visual quality are often an indication of fake emails, websites or phishing schemes.
Tips to avoid being the victim of phishing attacks
- To guarantee your privacy and security, please make sure you do not enter your personal details (Customer ID and Password) on any unsecured website.
- Always check the identity and the security level of the website:
- Verify that the website address (URL) is secure: The letter “s” in “https” confirms that the site is fully secure (e.g. https://audionline.bankaudi.com.lb for Audi Online).
- Make sure you see the “Security Lock” icon on the webpage and click on it to check the website’s identity (e.g. https://audionline.bankaudi.com.lb for Audi Online).
Location of the Security Lock icon:
- Firefox: Right corner of the bottom status bar
- Internet Explorer/ Safari/ Google Chrome: Right side of the website address bar
Important Note: Beware that Bank Audi will never ask clients to update or verify their personal details by email.
If you receive a suspicious email claiming to originate from Bank Audi asking you for sensitive information, do not respond or follow links in the email: simply delete the message.
What you should do if you are the victim of phishing
- If you suspect you are the victim of a phishing attack, immediately report the incident to Bank Audi’s Help Desk and other concerned parties. Cancelling your credit card and/or changing your e-banking User ID and Password might be required depending on the nature of the information that you revealed.
Credit Card Fraud
Credit card fraud is defined by Wikipedia (www.wikipedia.org) as a “wide-ranging term for theft and fraud committed using a credit card or any similar payment mechanism as a fraudulent source of funds in a transaction. The purpose may be to obtain goods without paying, or obtain unauthorized funds from an account”.
Tips to protect yourself against credit card fraud
What you should do if you are the victim of credit card fraud
If you believe you are the victim of credit card fraud, immediately report the incident to Bank Audi’s Help Desk. Cancelling your credit card and/or changing your PIN might be required depending on the case.
Tips to protect yourself against credit card fraud
- Keep your credit card under your sight every time you use it. Never leave your credit card or receipts lying around.
- Verify that your credit card is returned to you as quickly as possible following each use.
- Always check your card bills and statements and make sure that the charges applied are correct.
- Save your receipts and reconcile them with your monthly bills.
- Never sign a blank credit card receipt.
- If you change your address, make sure to provide Bank Audi with your new address.
- Never respond to emails that ask you to provide your credit card information via email.
- Never use your card for online purchases on an unsecured website.
- Do not share your credit card PIN with anyone and do not store it anywhere near your credit card.
- Make sure no one is looking when you type your credit card number on a screen.
- Save the 24-hour customer service phone numbers in your contacts directory.
- Report lost or stolen cards immediately and provide the necessary information to stop these cards.
What you should do if you are the victim of credit card fraud
If you believe you are the victim of credit card fraud, immediately report the incident to Bank Audi’s Help Desk. Cancelling your credit card and/or changing your PIN might be required depending on the case.