Privacy Policy

Your Privacy

AL Manar is committed to maintaining the privacy of our customers. We have policies and procedures in place to restrict access to your personal information to employees that need to know that information in order to provide products or services to you. We train our employees to protect the confidentiality of your records. In addition, we maintain physical, electronic, and procedural safeguards to guard your personal information.

We do not sell information about you to third parties for any purpose. We will establish security procedures to confirm your identity. You must take reasonable precautions to maintain the confidentiality of any passwords or personal identification numbers (PINs) that you select or receive from us.

We have implemented commercially reasonable security procedures for our Online Service. More information about the security procedures for the Online Service is available here.


In regard to Internet usage, cookies are pieces of data assigned by a Web server to the browser on a specific PC. Cookies help web sites recognize return visitors, and cannot be read by a web site other than the one that set the cookie. When someone returns to a web site he or she has visited before, the person's browser gives this data back to the server.
AL Manar uses cookies to track web site usage, such as the number of visitors to our web site and the pages visited, in order to evaluate the usefulness and effectiveness of our site. AL Manar also uses cookies to maintain the continuity of your visit to our product applications and Online Service. We do not store user id, passwords, or any personal information in cookies.
Users have the option to set their browsers to notify them before receiving a cookie, which allows them to decide whether or not to accept it. In addition, browsers can also be set to turn off cookies entirely.
Cookies are required to access account and loan applications as well as AL Manar online Service. Turning cookies off will prevent access to these areas of our web site. Cookies are not required to access other areas of AL Manar's web site.

Safeguarding Customer Information

We only grant access to personal information about you (such as your name, address, Civil ID and credit history) to company employees so that they can process and service your accounts, and administer our business.
Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards to guard this personal information.
We have implemented commercially reasonable security systems to protect personal information that we receive from any of our online applications. All information that is sent to us on these applications is encrypted using the standard security protocol Secure Socket Layer (SSL) during the transmission from an applicant's personal computer.
For Online enrollment, once the customer has been enrolled for online service, he or she may view and update certain user information by logging into AL Manar Online.
While visitors can use e-mail to contact us about routine issues and inquiries, e-mail may not be a secure method of communication for time sensitive communication or communication of information that is confidential. We strongly recommend that this type of information not be communicated via e-mail.

Collection of Information

We collect personal information about you from the following sources:

  • From you, from transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.
  • From the credit reporting agency (CiNet) such as information relating to your creditworthiness, your credit score and credit usage.
  • From third parties to verify information you have given us.

Uses of Shared Information

We may share all the information that we collect, as described above, for the following purposes:

  • To provide you with the products and services you requested.
  • To offer you additional products and services, from us or from others, that may be of interest to you.
  • To comply with reporting and other legal requirements.
  • To otherwise conduct business.

Third Party Sites Links

We are not responsible for the information collection practices of third party web sites that are linked from AL Manar's web site. In addition, we cannot guarantee how these third parties use cookies or whether they place or add computer cookies that may identify visitors personally. We recommend and encourage users to review Privacy Policies carefully before providing personal information on any of these web sites.