This Privacy Policy outlines how Baiduri Bank Berhad and its subsidiaries (jointly, “the Bank”) collects, uses, maintains, keeps and discloses the data that the Bank collect about you (“Your Data”) which is submitted, transmitted or otherwise obtained through your use of this website or any of its pages (collectively, “the Website”).
This Privacy Policy is limited only to data and information collected through your use of the Website or pursuant to your use of the Website, your response to the Bank’s online advertisements, online forms and email communications sent by the Bank (“the Collection Methods”).
By accessing and using the Website and/or providing Your Data through the Collection Methods, you agree to the Bank’s use of Cookies (as defined herein), our use of Your Data in accordance with this Privacy Policy and the terms and conditions of this Privacy Policy.
IF YOU DO NOT AGREE TO THESE TERMS PLEASE DISCONTINUE YOUR ACCESS TO OR YOUR USE OF THIS WEBSITE AND/OR THE SERVICES PROVIDED THEREUNDER IMMEDIATELY.
The Website contains hyperlinks to other websites owned/operated by third parties. This Privacy Policy only applies to the Website and does not apply to third-party websites including those where our advertisements are displayed. When accessing hyperlinks on the Website which brings you to a third-party website, you should read the terms and conditions and the privacy policy of such third-party websites.
Some examples of Your Data which the Bank collects are –
i. Personal particulars such as your name, contact details, residential address, date of birth, identity card/passport details, nationality, race, marital status;
ii. Financial details such as income and credit history;
iii. Employment details such as occupation, directorships and other positions held, employment history, salary;
iv. Information on your risk profile, investments, investment objectives, knowledge and experience and/or business interests and assets;
v. Banking information such as account numbers and banking transactions;
vi. Personal opinions through surveys or other forms of feedback;
vii. Information relating to your activities, habits, preferences and interests arising from your use of the Website;
viii. Other electronic data or information relating to you such as IP addresses, cookies, activity logs, online identifiers and location data through your usage of the Website or as part of the delivery of our services to you.
How information is collected
Your Data is collected through the Collection Methods outlined above. In particular, the Bank uses the following tools in the Collection Methods –
Cookies are small data files which the Website stores on the device used by you to access the Website or when you respond to the Bank’s online advertisements. The Bank uses Cookies to collect information on your usage of the Website, your location through your IP address, to store your login preferences, temporarily identify you once you have logged in to a secure page on the Website so you can carry information between the Website pages and to otherwise facilitate your use and/or experience of the Website. Cookies are also used to compile statistical information about activities carried on the Website which the Bank may use for its analytics.
Most browsers allow you to “block” Cookies, but please note that this may interrupt your experience of the Website as certain features and functions of the Website will not work properly.
Online Forms are used to collect personal information which you may provide if you are requesting information or submitting an enquiry, making an application for a product or service, signing up for our emails or newsletters or any other purpose which will require your personal information.
Electronic communications may be stored if you use email to communicate with us. The Bank will also send you emails if you have opted to sign in for this service.
How information is used – purpose of collecting personal data
Your Data is kept confidential by the Bank. The Bank will use all reasonable means of keeping Your Data secure and will abide by any applicable legislation for data protection. Your Data may be used by the Bank for various purposes, including the following:-
i. To provide the service or product for which you have submitted Your Data or responding to your electronic communication, such as contacting you in respect of an online application that you have made or an online form you have filled in;
ii. To communicate with you, including providing updates on the Bank’s products, services and banking facilities;
iii. To develop, monitor, provide and/or improve the Bank’s products, services, banking facilities, customer service quality and advertising such as carrying out research, planning, strategic and statistical analysis and/or analytics (whether internally or through a third party);
iv. To assess and process any applications which you have submitted for the Bank’s products, services, banking facilities;
v. To record and respond to your feedback, queries or to investigate any complaints or claims to resolve disputes;
vi. To verify your identity for providing/continuing to provide you with the Bank’s products, services and/or banking facilities;
vii. To manage, comply with, develop and/or improve our internal infrastructure, functions and business operations;
viii. To comply with applicable legislation, rules, regulations, obligations and requirements imposed by authorities or any credit bureau of which the Bank is a member;
ix. To produce or issue financial, regulatory, management reporting, conduct risk management and assessment for the Bank, comply with audit and record keeping purposes;
x. To create, run and update our credit and risk related models and analysis or otherwise;
xi. For any other purpose that the Bank has specifically stated in terms and conditions for individual products, services and banking facilities that you have applied for.
The Bank may use Your Data to offer, introduce and/or update on products, services, banking facilities and related matters such as promotions, draws, special offers and entitlements. These marketing messages may be sent to you through various communication modes such as email, messaging services, phone calls, or telephone calls. Please be assured that the Bank will only send these messages if you have provided or otherwise indicated your consent in recorded form. You may opt out of these messages at any time either through selected or on all communication modes by contacting us.
To whom personal data is disclosed
Your Data will be retained by the Bank until the purpose for which it was collected has been fulfilled, or for as long as is necessary for any legal, accounting, regulatory or business purposes as required from time to time.
However in order to provide you with effective and continuous products and services and for the Bank to comply with any laws or regulatory guidelines and procedures, the Bank may need to disclose Your Data to –
i. The Bank’s group of companies, including head office, subsidiaries, branches, representative offices, related corporations or affiliates, in Brunei Darussalam or overseas;
ii. Any association or body of which the Bank is a member or a subscriber and for which members may include but may not be limited to financial institutions or corporates;
iii. Our service providers, such as ICT infrastructure maintenance services, debt recovery agencies;
iv. The Bank’s external advisers, such as our lawyers and auditors;
v. Regulatory authorities such as the credit bureau or monetary authority in any jurisdiction or government authority or bodies or any other person having jurisdiction over the Bank, or court of law in Brunei Darussalam or elsewhere, or any tax authority in any jurisdiction;
vi. The police or other public officers conducting an investigation;
vii. Any banks, financial institutions or credit or charge card companies;
viii. Persons who act on your behalf, such as beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses or any insurer, guarantor, provider of security in relation to you or your auditor or any member, partner, director or shareholder relating to you;
ix. Any third party which the Bank may use to provide services to you.
Any disclosure to third party service providers will be on a strict “need-to-know” basis. The Bank will only disclose what is needed for them to fulfill their scope of services and the Bank will require them to keep Your Data confidential and use such data solely for the purposes of fulfilling their services.
The Bank may be required to disclose Your Data to Government and/or regulatory authorities as part of the Bank’s compliance with existing law, regulations, directives or orders, for example where the Bank is asked to assist in investigations and disclosure to the police, judiciary or monetary authority is required.
In the event Your Data is disclosed to third parties for business purposes such as a merger, acquisition, reorganization or restructuring the Bank will ask such third parties agree to treat and handle Your Data in accordance with this Privacy Policy.
Accessing and correcting Your Data
If there are any changes to Your Data or if you believe that Your Data held by the Bank is incorrect or outdated, you can make corrections or request for access to Your Data. Please note that the Bank may charge a fee to process your request for access, which will depend on the nature and complexity of your request. The Bank will verify your identity prior to providing you with the requested access.
How to Contact the Bank
To contact the Bank about this Policy, to request for access or to update Your Data or if you wish to provide any feedback please visit any of our branches or contact us in the following ways –
24-hour Customer Helpline at 2449666
Email at
[email protected]Visit our website at www.baiduri.com
Changes and Updates to Privacy Policy
This Privacy Policy may be amended from time to time to ensure that it is applicable, up-to-date and correctly reflects the way the Bank uses Your Data or any updated laws and regulations. The Bank will utilize the most recent version of this Privacy Policy in its communications, transactions and dealings in relation to Your Data.