Compliance with the Laws

Byblos Bank S.A.L. (the Bank) is committed to safeguarding the security and privacy of your Personal Data, treating data protection as a matter of utmost importance and processes Personal Data only in compliance with the applicable laws and regulations (hereinafter “the Laws”).

Personal Data refers to any information related to an identified or identifiable natural person, as specified below.

Which Personal Data does Byblos Bank S.A.L. collects?

Byblos Bank S.A.L. may collect Personal Data, including but not limited to:

• Personal information, such as your full name, address, email address, phone number, marital status, family name of your partner, employment status, position and any other personal details you provide for the purpose of opening or maintaining an account at the bank.
• Identification data, such as ID/ passport, date and place of birth, gender and a live selfie video for liveness detection and to match with your ID photo.
• Financial Information, such as details required for transaction processing, including account numbers, transaction history, payment details, sources and uses of funds.
• Usage Data, such as your IP address, device type, browser type, and other information related to service usage.

How are Personal Data collected?

The information Byblos Bank SAL holds about you is primarily information you provided directly to the bank either in person or through any of the bank’s mobile applications or other proprietary platforms.

For which purposes Byblos Bank S.A.L. collects your Personal Data and on what legal basis?

• To abide with regulatory and legal requirements.
• To safeguard the legitimate interests of Byblos Bank SAL or a third party (e.g. initiating or defending legal claim), as well as to protect Byblos Bank SAL rights, privacy, safety or property.
• To proceed with Byblos Bank SAL contractual agreements by offering primary banking products and digital services, such as account openings, money transfers and payment solutions.
• To prepare for entering into a relationship with prospective customers.
• For statistical analysis and internal reporting.

For how long is your Personal Data stored at Byblos Bank S.A.L.?

Your Personal Data is processed and retained by Byblos Bank SAL as long as you use its services. It is retained after the termination of our business relationship, in accordance with applicable laws and regulations or for technical necessities.

Personal Data Sharing

• Your Personal Data might be shared within Byblos Bank Group (which includes all its representative offices, branches, subsidiaries and affiliates), to enable the processing of transactions and fulfillment of contractual obligations.
• Other data recipients may include third-party service providers only for the fulfillment of agreed upon banking services, or following your contractual consent, including any payment network under which we issue payment cards (e.g. MasterCard, Visa…), any check book processor, or any of the bank’s insurance partners.
• Personal data might also be shared with banking supervisory, or regulatory, and public authorities or judicial authorities as required by specific Lebanese laws regarding banking secrecy.
• In cases of reorganization, merger, sale, joint venture, or similar business changes, Byblos Bank SAL may transfer data if legally permissible.

Failure to provide your Personal Data

Where the provision of Personal Data is a statutory or contractual requirement and you fail to provide or update such data when requested, you may not be able to use Byblos Bank SAL services; and Byblos Bank SAL may not be able to enter into a contract with you or continue the business/contractual relationship with you or execute an order on your behalf, until such time you take action to resolve the situation.

Changes to the Privacy Policy

This Privacy Policy has been updated on 17 October 2025 and might be changed from time to time in accordance with any changes in applicable laws. We will update the revision date at the top of the page and notify you appropriately when we make changes.

Contact Details

For more information about our data protection measures, or for any inquiry/request/ complaint you may have concerning your Personal Data with Byblos Bank SAL, please contact us at [email protected].