Privacy policy

1. Overview

The Bank for Social Development is fully aware of the importance of your privacy and personal data, so it is strongly committed to maintaining the safety, security and confidentiality of all relevant information and data for all users.

2. Purpose of policy

The privacy policy outlined here has been developed in line with Personal Data Protection System The policy is designed to illustrate how the Bank addresses your personal data to help you understand why they are collected, used, shared and stored, as well as the steps it takes to ensure that their confidentiality and security are maintained.

3. Collection of Personal Data

The purpose of collecting personal data is directly linked to the legitimate purposes specified on the electronic portal, and these purposes must be displayed prior to collecting any personal data. The methods and means of collecting personal information must be appropriate to the data owner’s circumstances, ensuring they are direct, clear, secure, and entirely free from deception, misleading information, or extortion. Should it be proven that the collected personal data is no longer necessary to achieve its intended purpose, the Social Development Bank's electronic portal will cease storing it and will immediately proceed to destroy the previously collected data.

• The Social Development Bank's electronic portal ensures that the following standards are met prior to collecting your personal data:
• The purpose of collecting your personal data, while clarifying whether providing such data is mandatory or optional, along with additional information regarding data processing that does not conflict with the rights and freedoms of the personal data owner.
• The identity and contact details of the personal data controller—wherever applicable.
• The entity or entities to whom the personal data will be disclosed, along with a statement indicating whether such personal data will be transferred, disclosed, or processed outside the borders of the Kingdom.
• The potential consequences and risks of non-compliance with personal data collection procedures.
• Your privacy and data protection rights as stipulated by law.
• Other provisions outlined by regulatory frameworks depending on the nature of the activity practiced by this entity.

In cases where personal data is collected from individuals other than its original owners, the Social Development Bank ensures that the following requirements are met:

• The personal data owner’s consent is obtained, in accordance with the provisions of the law.
• The personal data is publicly available, or collected from a public source.
• The collection of data is necessary for security purposes, to execute another law, or to satisfy judicial requirements in accordance with the specific provisions set forth in the regulatory frameworks.
• The collection or processing of personal data is necessary to protect public health, public safety, or the life or health of a specific individual or individuals.
• The personal data is not recorded or stored in a format that allows the direct or indirect identification or recognition of its owner.

4. What Personal Data Does the Bank Collect?

Personal Data: Name, nationality, photograph, gender, date and place of birth.

Contact Data: Email address, residential address (National Address), work address, or contact telephone number.

Identity Data: National ID number, Iqama number, passport number, and any other similar data.

Technical Data: Username, passwords, cookie data, IP addresses, session details, or any other related data.

Financial Data & Transactions: Account numbers, transaction data, balance, data related to loan installments, and any other data associated with financial transactions.

Education / Employment Data: Educational details, previous work experience, certificates, compensations, and any other data obtained during the recruitment or onboarding phase.

Conversation Data: Telephone conversations when contacting our call center, in addition to metadata collection such as the date, time, and duration of the call. We also collect conversations via email or social media networks used to communicate with our customer service team.

Credit Data: Personal income, credit history, property and asset records, investments, tax identification number, SIMAH credit report, and any other data related to personal credit standing.

Biometric Data: Signature data, handwriting, fingerprint, voice, and facial recognition.

Health Data: In certain cases, we may collect medical reports or health status reports covering physical, mental, or psychological health.

5. How Does the Social Development Bank Collect Your Personal Data?

We collect data strictly for legitimate purposes, either directly from you or indirectly from our approved external third parties. The data collected utilizes a variety of sources, including but not limited to the following:

The Social Development Bank's electronic portal.

• Application forms.
• Digital channels.
• Surveys and feedback forms shared with potential customers.
• Direct communication channels (including telephone, email, or social media channels).
• Cookies.
• Credit information agencies, government portals, integration channels, or authorized entities.
• Background check clearances from institutions authorized to provide such data.
• Databases made available by official authorities and approved government sources to update or verify your documents.
• Legitimate external parties for the purpose of offering legal products and services that may interest you.
• Sources available for public viewing.

6. How Does the Social Development Bank Process Your Personal Data?

We collect, use, disclose, retain, or otherwise process your personal data through a variety of means, including both automated and manual methods, for a number of purposes, which include—but are not limited to—the following:

• Evaluating and providing banking and financial services to you, or fulfilling our banking obligations, including Know Your Customer (KYC) verification, credit standing checks, identity checks, and more.
• Establishing and maintaining banking relationships, including customer accounts, and providing you with services such as access to internal platforms to ensure quality and security.
• Responding to requests and inquiries received from regulatory bodies, government entities, or any other authorized partners.
• Responding to your inquiries or complaints, including monitoring conversations and posts on social media networks to identify discussions, impressions, and complaints about the Bank, as well as issuing notifications regarding changes to the terms and conditions of our products and services.
• Utilizing automated technologies, such as cookies, to deliver services specifically tailored to your requirements.
• Managing our business, including authentication management, user access controls for online and mobile banking services, and auditing business operations.
• Improving our products and services by monitoring and recording our communications with you, including phone calls, for training and quality purposes, customer surveys, and providing services that suit you better.
• Detecting, investigating, and preventing financial crimes by monitoring and recording voice and electronic communications, and screening applications and transactions associated with actual or suspected fraud, financial crimes, or other criminal activities.

7. Why Does the Social Development Bank Need Your Personal Data?

We need your personal data to provide you with products and services that match your requirements. Once you submit an application form to us or join our customer list, we have certain legal obligations to process your personal data. Examples of potential consequences and risks that may arise if you do not provide us with the requested personal data include:

• Our inability to comply with statutory or regulatory obligations.
• Our inability to provide you with our products and services.

In our application forms, we clearly indicate the personal data required from you by placing an asterisk (*) next to mandatory fields.

Furthermore, we collect data in the form of cookies from our automated systems; we use cookies to collect and store information about how you use the Social Development Bank's electronic portal and digital government services.

The Social Development Bank has defined the following legal bases (including but not limited to) for collecting and processing personal data:

• Legal Obligation: We process personal information to comply with a specific legal obligation, or to fulfill regulatory mandates, duties, and the public interest.
• Contractual Agreement: In cases where processing personal data is necessary to enter into or execute a contractual agreement concluded with you.
• Actual Interests: In the event that the processing achieves actual interests for you, and it is difficult—or impossible—to contact you.
• Publicly Available Data: If the personal data is available for public viewing or collected from public sources.
• Legitimate Interests: If we need to pursue our legitimate interests, without prejudice to your rights and interests, provided that your sensitive data is not processed.
• Regulatory Frameworks and Laws: In cases where it is necessary for us to comply with the regulations and laws applicable to us.
• Vital Interests: In cases where it is necessary to protect your vital interests and/or the vital interests of the Kingdom.
• Public Interests or Official Entities: To achieve the public interest or fulfill an official request from a specific entity in accordance with its roles.
• Consent: We will not process your personal data/information without obtaining your explicit consent, except for reasons permitted by law.

8. Mandatory or Voluntary Collection of Personal Data

We require your personal data to provide you with the services or products you request. Upon selecting any of our products or services and joining our customer list, we assume certain legal obligations to process your personal data. In the event that you do not provide us with the requested personal data, we will be unable to comply with legal or regulatory obligations, and we will not be able to provide you with our products and services.

When we collect your data using digital forms or applications, we clarify the required personal data by placing an asterisk (*) next to the mandatory fields. For non-mandatory data fields, you are free to choose not to provide us with that data.

9. Cookie Policy

Cookies are pieces of information transferred by a website to the cookie storage file on the client's device. Cookies deployed by the Bank's electronic portal cannot access your computer/private devices to obtain information about you or your family. Furthermore, cookies cannot view any materials saved on your device's hard drive. However, when a customer logs into the electronic banking services site, the system recognizes them, stores certain parameters within the cookie file, or updates it, ensuring this file does not reveal the customer’s identity.

The Social Development Bank primarily deploys the following types of cookies:

Strictly Necessary Cookies: These cookies are essential to enable navigation within the Bank's website and its electronic features.

Performance Cookies: These cookies collect information about customer visits and frequently visited pages. All information collected by these cookies remains anonymous and is used solely to improve customer service.

Functional Cookies: These cookies allow the website to remember customer preferences (such as language or region) and provide enhanced personalized features.

10. Security of Your Personal Data

Your personal data will not be processed without taking adequate steps to verify its accuracy, completeness, timeliness, and relevance to the purpose for which it was collected, in accordance with the provisions contained in the regulatory frameworks.

The Social Development Bank is committed to protecting your personal data; it implements internal technical and organizational measures to maintain the integrity and security of personal data, including encryption, anonymization, as well as physical and logical security measures. We require our employees and any external parties performing work on our behalf to adhere to stringent compliance standards, including agreeing to contractual obligations to protect any personal data.

11. Disclosure of Your Personal Data

Your personal data is processed and disclosed internally within the Bank based on the products and services you have chosen. The Social Development Bank does not disclose data externally except in accordance with a legal basis and for a specified purpose only. The Bank may share your personal data externally with the following stakeholders, including but not limited to:

• Public or Regulatory Bodies and Authorities: We may be legally obligated to share your information in response to legal proceedings or government-issued court orders. We may also disclose your information to competent authorities when required to do so under applicable laws or regulations, or at the request of those authorities.
• Business Partners: Partners with whom we collaborate, including financial technology (FinTech) applications and banks, allowing us to enhance our services and provide you with the ability to execute faster and more efficient payments.
• Service Providers: Companies that provide services for us or on our behalf, such as companies that assist us with insurance, companies that submit applications to the Bank to operate our services, core service providers, and others. All of these companies are equally committed to protecting your information.
• Any Other External Parties: In addition to the disclosures outlined in the Privacy Policy described herein, we share information about you with external parties when you provide separate consent for such sharing or request it.

Under exceptional circumstances, your information may be made available to government officials. However, it will not be made available for public viewing without your prior consent. Furthermore, this information will not be traded, exchanged, or transferred to any external party without obtaining your prior consent.

Your personal data will only be disclosed in the following cases:

• If you consent to its disclosure in accordance with the provisions of the law.
• If your personal data was collected from a publicly available source.
• If the entity requesting disclosure is a public entity, for security purposes, to enforce another law, or to meet judicial requirements in accordance with the provisions specified in the executive regulations.
• If disclosing that information is necessary to protect public health, public safety, or the life or health of a specific individual or individuals.
• If the disclosure of that information is limited to its subsequent processing in a manner that does not lead to the specific identification of the personal data owner or any other individual.

The Social Development Bank shall not disclose your personal data if such disclosure threatens the security of the Kingdom, harms its reputation, conflicts with its interests, or affects its relations with other countries. We will also refrain from sharing information if it jeopardizes an individual's safety.

12. Transfer of Personal Data Outside the Kingdom

The Social Development Bank is headquartered in the Saudi capital, Riyadh. The Bank may transfer your personal data to other countries for compliance purposes, or to our service providers who maintain operations in countries located outside the borders of the Kingdom of Saudi Arabia.

When transferring personal data, we ensure that an appropriate level of protection is provided for it and that the transfer process is conducted in accordance with the law. This includes relying on adequacy and suitability decisions issued by the relevant data protection authority, and utilizing standard contractual clauses for transferring personal data. You can access more details regarding the protection granted to your data during transfer by contacting us via the contact details provided below.

13. Your Rights

The Social Development Bank is committed to ensuring accountability and transparency in its operations. In accordance with the applicable data protection regulations, the Bank is highly dedicated to ensuring the applicable rights of data owners in alignment with established laws and standards, as follows:

1. The Right to Know: You have the right to be informed about the collection and use of your personal data, including why and how your personal data is collected, the purposes of its processing, and the entity with whom it will be shared.
2. The Right to Request Access to Personal Data: You have the right to access your personal data available with the Bank in a structured, legible, and clear format.
3. The Right to Obtain a Copy of Personal Data: You have the right to obtain a copy of your personal data available with the Bank in a structured, legible, and clear format.
4. The Right to Request Rectification: You can request the correction of your personal data (if it is inaccurate), its completion (if it is incomplete), or its updating (if it is outdated).
5. The Right to Request Destruction: You have the right to request the destruction of your personal data when:

• You believe that we no longer require the data for the purposes for which it was obtained.
• You object based on a valid reason to our use of your personal data, where the data was processed based on your consent, or you decide to revoke your consent for the use and processing of your personal data.
• Our use of your personal data conflicts with the law or any other legal obligations.

6. The Right to Withdraw Consent: You have the right to modify/withdraw your consent for the collection and processing of your personal data, unless legal or regulatory requirements, contractual necessity, or the public interest dictate otherwise. The withdrawal of consent does not affect the processing of personal data that relies on another lawful basis rather than consent.

14. Minors and Individuals Lacking Legal Capacity

The use of the Bank's website and its applications is restricted to individuals who are at least 18 years of age and/or those possessing full legal capacity. If the personal data owner is under 18 years of age, or lacks or has diminished legal capacity, consent must be obtained from one of their parents or their legal guardian on their behalf, as the Bank requires consent to collect and process the personal data of the data owner.

15. Storage, Retention, and Destruction of Your Personal Data

We store and retain your personal data for any period of time required by regulatory frameworks, and as long as your personal data remains necessary for the purpose of its collection or processing, is required by law, or when we need it for our legitimate purposes, such as maintaining records for analysis or auditing purposes, responding to inquiries or complaints, monitoring fraud, defense, taking specific legal actions, and responding to requests from regulatory bodies.

The Social Development Bank disposes of your personal data as soon as the purpose for its collection expires. However, the Bank may retain this data after the purpose of its collection has ended if all means of identifying its owner are removed in accordance with the controls specified in the regulatory frameworks.

Under exceptional circumstances, the Social Development Bank may retain your information for longer periods, particularly when we need to prevent its destruction or disposal based on a court order, or an investigation conducted by competent authorities, law enforcement agencies, or our regulatory bodies. The purpose of this is to enable us to present your information retention records as evidence if required.

16. Your Responsibility for Data Processing

You bear the responsibility of ensuring that the personal data you provide to us is accurate and up to date, and you must inform us if any statement changes as soon as possible.

If you provide the Bank with personal data belonging to another person (such as an individual legally designated on someone’s behalf, a dependent, or otherwise), you must inform them of the Privacy Policy outlined herein and obtain their consent for the Bank to use their personal data for the specified purpose.

17. Privacy Policy Updates

The Bank reserves the right to make changes to this policy at any time and for any reason. We will notify you of any changes by updating the "Last Updated" date located at the beginning of this policy. Any changes or modifications become effective immediately upon the publication of the updated policy on the website.

We recommend that you review this policy regularly to remain informed of its latest developments. You will be deemed to have been informed of the changes, subject to them, and considered to have accepted those modifications in any amended policy through your continued use of the website after the date such amended policy is published.

18. Contact Us

Maintaining the privacy of our customers' data and their trust in us is of the utmost importance to the Social Development Bank. If you have any inquiries regarding the processing of personal data, or wish to exercise any of the rights mentioned previously, please contact us at the following email address: dmo@sdb.gov.sa

5. How does the Social Development Bank collect your personal data!

We collect data only for legitimate purposes, either directly or indirectly from our accredited external parties, and data that collect a variety of sources, including but not limited to the following, are used.

1. Web portal of the Social Development Bank.
2. Application forms.
3. Digital channels.
4. Questionnaires and observations shared with potential clients.
5. Direct communication channels (including telephone channels, e-mails or social communication channels).
6. I.D. files.
7. Credit information agencies, government portals, integration channels or accredited entities.
8. Certification checks from the institutions authorized to submit such data.
9. Databases provided by official authorities and accredited government sources to update/check your documents.
10. Legal external parties for the purpose of providing legal products and services that may interest you.

• Sources available for public access.

6. How does the Social Development Bank process your personal data?

We collect, use, disclose, retain or otherwise process your personal data with a variety of means, including automatic and manual means, for a number of purposes, including, but not limited to, the following.♪

1. Assess and provide banking and financial services to you, or meet our banking obligations, including verifying your customer KYC, verifying the credit situation, verifying identity, etc.
2. Establish and maintain banking relationships, including client accounts, and provide services, such as access to internal quality and security platforms.
3. Responding to requests and inquiries received from oversight bodies, government agencies or other accredited partners
4. Respond to your questions or complaints, including the monitoring of talks and publications on social networks, to identify talks, impressions and complaints about the Bank, as well as to issue notices on changes in the terms and conditions of our products and services.
5. Use automated techniques, such as engagement identification files, to provide services tailored to your requirements.
6. Management of our work, including certification management, user access controls for banking services via the Internet and mobile phone, and audit of business operations.

• Improve our products and services by monitoring and recording our contacts with you, including telephone calls, for training and quality, client questionnaires and more appropriate services.
• Disclosure, investigation and prevention of financial crimes through surveillance and recording of sound and electronic communications and examination of applications and transactions related to actual or suspected fraud, financial or other criminal activities.

7. Why does the Social Development Bank need your personal data?

We need your personal data to provide you with the products and services appropriate to your requirements, and after sending the application form to us or joining our client list, we have certain legal obligations to process your personal data, including examples of possible consequences and risks that may arise when we do not meet your required personal data.♪

1. We are unable to comply with statutory or regulatory obligations.
2. We can't provide you with our products and services.
3. We are clear in our application forms the personal data required of you by placing the star mark in front of the mandatory fields.
4. We also collect data in the form of identification files linked to our automated systems; we use the links definition files to collect and store information on how you use the Internet for the social development bank and government digital services.
5. 5; font-size: 18px " > The Social Development Bank defines the following legal grounds (but not limited to) for collecting and processing personal data:
6. Legal obligation: We process personal information to comply with a particular legal obligation, or to fulfil regulatory obligations or authorizations and public interest.
7. Contractual Convention: If personal data are to be processed for the conclusion or implementation of our contractual convention with you.
8. Actual interests: in the event that the treatment has achieved actual interests for you, it is impossible - or impossible - to contact you.
9. Data available for public access: if personal data are available for public information or collected from public sources.
10. Legitimate interests: if we need to pursue our legitimate interests, without prejudice to your rights and interests, and without addressing your sensitive data.
11. Regulations and regulations: If we need to comply with regulations and regulations applicable to us,
12. Vital interests: if your vital interests and/or vital interests of the Kingdom are to be protected.
13. Public interests or formalities: public interest or formal request by a particular party in accordance with its roles.
14. Okay: We will not process your personal data/information until your express consent is taken, except for the reasons allowed by the system.

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    8. Mandatory or voluntary collection of personal data

    We need your personal data to provide you with the services or products you require; after selecting any of our products or services and joining our client list, we have certain legal obligations to process your personal data, and if we do not provide the required personal data, we will not be able to comply with legal or regulatory obligations, nor will we be able to provide you with our products and services.I'm sorry.

    When we collect your data using digital models or requests, we clarify the personal data to be submitted by placing the star mark (*) in front of mandatory fields, and for non-mandatory data fields, you have the freedom to choose not to provide us with those data.I'm sorry.

    
    

    9. Connecting file policy

    Connecting ID files are information that the website transmits to the client's identifier file file, and the attachment identifiers published by the bank portal cannot access your computer/your devices and obtain information about you or your family.

    The Bank for Social Development basically publishes the types of association identification files:

10. Security of your personal data.

Your personal data will not be processed without taking sufficient steps to verify their accuracy, completeness, timeliness and relevance to the purpose for which they were gathered in accordance with the provisions of the RegulationsI'm sorry.

The Bank for Social Development is committed to protecting your personal data; it implements internal technical and regulatory measures to maintain the integrity and security of personal data, including encryption, concealment of identity and physical and logical security measures; we ask our staff and any external parties acting on our behalf to comply with strict compliance standards, including the approval of contractual obligations to protect any personal data.I'm sorry.

11. Disclosure Your personal data.

Your personal data are processed and disclosed internally in the bank according to the products and services I have chosen. The Social Development Bank discloses data externally only according to the legal basis and purpose specified, and the Bank may share its personal data externally with the following stakeholders, for example, but not limited to♪

Public or regulatory bodies and bodies: We may be legally bound to share your information as a response to legal or court orders issued by the Government.

Business partners: partners we cooperate with, including financial technical applications and banks, which allow us to improve our services and provide you with the capacity to make faster and more efficient payments.I'm sorry.

Servicing companies: companies that provide services for us or on our behalf, such as insurance companies, companies that apply to the bank to operate our services, basic service providers and others, all of which are also committed to protecting your information.I'm sorry.

Any other external parties: In addition to the disclosures contained in the privacy policy described here, we share information on you with external parties when your consent to such participation is provided or requested separately.I'm sorry.

Under exceptional circumstances, your information may be made available to government officials, yet it will not be made available to the public without your prior consent.I'm sorry.

Your personal data will only be disclosed in the following cases.♪

1. In case you agree to disclose it in accordance with the rules.I'm sorry.
2. 5. font-size: 18pxI'm sorry.
3. If the person requesting disclosure is a public domain, for security purposes or for the application of another system, or for meeting judicial requirements in accordance with the provisions specified in the implementing regulationsI'm sorry.
4. If such information is to be disclosed to protect public health, public safety or the life or health of a particular individual or individualsI'm sorry.
5. If the disclosure of such information is limited to subsequent processing in such a way that it does not specifically identify the owner of the personal data or any other individualI'm sorry.

The Social Development Bank may not disclose your personal data if the disclosure threatens the security of the Kingdom or damage its reputation, is contrary to its interests or affects its relations with other States, and we will also refrain from sharing information in case the integrity of the individual is endangered.I'm sorry.

12. Transfer of personal data to Out.Kingdom

The Bank may transmit personal data to other States for compliance purposes, or to our service providers who maintain operations in States outside the borders of Saudi Arabia.I'm sorry.

When transferring personal data, we shall ensure that they are provided with an appropriate level of protection and that the transfer is carried out in accordance with the system, including the reliance on adequate and appropriate decisions of the data protection authority concerned, the use of standard contractual clauses for the transmission of personal data, and you can see further details on the protection given to your data when transported by contacting us through the contact details below.I'm sorry.

13. Your rights

The Bank for Social Development is committed to ensuring accountability and transparency in its operations. According to the regulations in force for data protection, the Bank is keen to ensure that the rights of data owners are guaranteed in accordance with established regulations and standards, as follows.♪

1. Right to know: You have the right to be briefed on the collection and use of your personal data, including the reason and manner in which your personal data is collected, the purpose of which it is addressed, and who you will be involved with.

2. Right to seek access to personal data: you have the right to have access to your personal data available to the Bank in an orderly, read and clear form.

3. Right to obtain a copy of personal data: You are entitled to obtain a copy of your personal data available to the Bank in an orderly, read and clear form.

4. Right to request correction: you may request the correction of your personal data (if not accurate), complete (if incomplete) or update them (if not updated).

5. Right to seek destruction: you are entitled to request the destruction of your personal data when:

- See that we no longer request data for the purposes for which they were obtained.

- Objection based on a good reason to our use of your personal data, processing data based on your consent, or deciding to cancel the approval of the use and processing of your personal data.

- Our use of your personal data runs counter to the system or any other legal obligations.

6. The right to renounce consent: You are entitled to amend/Absolute the approval of the collection and processing of your personal data unless it requires legal or formal requirements, contractual necessity and public interest otherwise, and the reversal of consent does not affect the processing of personal data based on another regular basis rather than approval.







14. Minors and missing or underprivileged.

The use of the Bank ' s website and its applications shall be restricted to persons under 18 years of age and/or to persons with disabilities; if the owner of personal data is under 18 years of age, missing or deficient, the consent of one parent or guardian must be taken on his behalf, as the Bank requires approval to collect and process the personal data of the personal data holder.

15. Storage your data. Personality, retention and destruction

We store and maintain your personal data for any time required by the regulations, as long as your personal data are necessary for the purpose of collecting or processing them, or are required under the system, or when needed for our legitimate purposes, such as maintaining records for analytical or review purposes, responding to queries or complaints, controlling fraud, defence or taking specific regulatory action, and responding to requests from regulatory bodiesI'm sorry.

The Bank for Social Development is disposing of your personal data once the purpose of collecting them has expired, however, the Bank may retain such data after the end of its collection if all that leads to the identification of the owner is removed in accordance with the regulations specified in the Regulations.I'm sorry.

Under exceptional circumstances, the Bank for Social Development may retain your information for longer periods of time, especially when we need to prevent or dispose of its damage on the basis of an order of the Court, or an investigation by our competent authorities, law enforcement agencies or regulators, the purpose of which is to enable us to submit your records as evidence if warranted.I'm sorry.




16. Your responsibility for data processing

It is the responsibility of ascertaining that the personal data it provides us is accurate and up-to-date, and you must inform us if any statement changes as soon as possible.

If the bank gives personal data to another person (as a person designated by law on behalf of a person, dependant or otherwise), you must inform him of the privacy policy outlined here, and obtain approval of the Bank ' s use of its personal data for the specific purpose.




17. Private policy updates

The Bank reserves the right to make changes to this policy at any time and for any reason, and we will notify you of any changes by updating the history of the latest update contained in the introduction of this policy.

Any changes or amendments shall apply immediately after the updated policy is posted on the site.

We recommend that you review this policy on a regular basis to keep an update on it.I'm sorry.

18. Keep with us.

Maintaining the privacy and confidence of our clients is crucial for the Social Development Bank. If you have any query regarding the processing of personal data or wish to exercise any of the rights previously received, please contact us on the following e-mail address: dmo@sdb.gov.sa