Privacy Policy

Welcome to BANKO

BANKO places great importance on the privacy of its customers and users and is committed, to the extent required by applicable laws and within reasonable operational and technical capabilities, to protecting the personal data and information collected, processed, or used through the Website and its related services.
Please read this Privacy Policy carefully. By using the Website, creating an account, placing an order, using any service, benefiting from any offer or feature, or communicating with BANKO, you expressly, irrevocably, and legally agree to this Privacy Policy.


Acknowledgment and Acceptance

Accessing or using the Website, creating an account, placing an order, communicating with BANKO, or benefiting from any service, offer, or operational feature constitutes the Customer's or User's express, final, and legally binding acceptance of this Privacy Policy and all related policies.
The Customer further acknowledges that failure to read, review, or understand this Privacy Policy shall not affect its legal validity or operational enforceability.


Electronic Consent

The Customer expressly, irrevocably, and legally acknowledges that, before completing any order, they electronically accepted the Terms and Conditions and the Gift Policy by selecting the designated acceptance checkbox before proceeding to payment.
Such electronic acceptance constitutes legally binding evidence that the Customer has read, understood, and fully accepted all applicable policies and terms, including, without limitation:
  • The Gift Policy
  • Shopping Voucher Policy
  • Operational Fees
  • Payment Processing Fees
  • Order Cancellation Policy
  • Refund Procedures
  • All provisions contained in this Privacy Policy
Accordingly, the Customer shall have no right thereafter to object or claim that they were unaware of, did not review, or did not understand any of the foregoing.


Collection of Information

BANKO may collect information and personal data necessary to provide services, operate the Website, process orders, protect its systems, and improve its services, including but not limited to:
  • Full Name;
  • Mobile Number;
  • Email Address;
  • National Address or Shipping Address;
  • City, Region, District, and Postal Code;
  • Order and purchase information;
  • Customer inquiries and communications;
  • Device, browser, or technical information;
  • Internet Protocol (IP) Address;
  • Website usage, browsing, and interaction data; and
  • Operational or technical information necessary for verification or processing.


Methods of Collecting Information

Information may be collected through:
  • Account registration;
  • Placing orders;
  • Using or browsing the Website;
  • Contacting Customer Support;
  • Interacting through BANKO's official communication channels;
  • Subscribing to offers, services, or notifications;
  • Cookies;
  • Similar technologies; and
  • Any operational or technical interaction relating to BANKO's services.


Accuracy of Information

The Customer represents and warrants that all information provided to BANKO is accurate, complete, current, and truthful.
The Customer shall bear sole responsibility for any consequences, losses, delays, damages, expenses, or other results arising from inaccurate, incomplete, misleading, or outdated information.


Use of Information

BANKO may use collected information and personal data for legitimate operational, contractual, or legal purposes, including but not limited to:
  • Processing orders and purchases;
  • Shipping and delivery;
  • Verifying customer information, orders, or transactions;
  • Communicating with Customers;
  • Providing Customer Support;
  • Coordinating with service providers involved in fulfilling services or orders;
  • Improving the Website and user experience;
  • Detecting technical or operational issues;
  • Preventing fraud or misuse;
  • Protecting systems and operational processes;
  • Complying with applicable legal and regulatory requirements;
  • Sending operational notifications and service updates; and
  • Sending marketing communications, promotional offers, or campaigns where permitted by applicable law.



Fraud Prevention and System Protection

BANKO may use collected information, data, and operational or technical analyses for the purposes of:
  • Detecting fraud;
  • Preventing misuse;
  • Verifying the integrity of transactions;
  • Protecting systems and services;
  • Detecting unlawful or unusual activities; and
  • Managing operational and security risks.


Sharing Information with Relevant Parties

BANKO may share the necessary data and information, to the extent required, with relevant parties whenever operationally or legally necessary, including but not limited to:
  • Shipping and delivery providers;
  • Payment service providers;
  • Technical or operational service providers;
  • Third-party vendors supporting the operation of the Website; and
  • Competent governmental, regulatory, or judicial authorities where disclosure is required by law.
Such information shall only be shared to the extent necessary for providing services, fulfilling contractual obligations, or complying with legal and regulatory requirements.


Transfer or Processing of Operational Data

Where operationally or contractually necessary, BANKO may share, transfer, or permit access to certain data and information relating to orders or operational activities, only to the extent required, with parties involved in providing services or operating the business, including:
  • Suppliers;
  • Manufacturers;
  • Warehouses;
  • Logistics service providers;
  • Operational partners; and
  • Technical service providers.
Any such transfer shall be carried out in accordance with applicable laws and only to the extent necessary for fulfilling the relevant services or obligations.


Third-Party Information

BANKO shall not be responsible for any information, updates, services, or privacy practices provided by third parties associated with its services or operational activities.
Any interaction with such third parties shall be governed exclusively by their own terms, policies, and practices.


Information Security

BANKO implements reasonable and appropriate administrative, technical, and organizational measures designed to protect personal data against unauthorized access, use, disclosure, alteration, loss, or misuse.
However, the Customer acknowledges that no method of transmission over the Internet or electronic storage system can be guaranteed to be completely secure.


Cybersecurity Incidents

BANKO makes reasonable efforts to protect its Website, systems, and information against cybersecurity threats, unauthorized access, and unlawful use.
Nevertheless, absolute protection against all cyber, technical, or security risks cannot be guaranteed.
Accordingly, to the fullest extent permitted by applicable law, BANKO shall not be liable for any damages, losses, or consequences resulting from:
  • Cyberattacks;
  • Unauthorized access;
  • Data breaches;
  • System intrusions;
  • Technical failures;
  • Service interruptions;
  • Electronic incidents; or
  • Any event beyond BANKO's reasonable control,
without prejudice to any mandatory obligations imposed by applicable law.


Account Security

The Customer is solely responsible for maintaining the confidentiality of their account credentials and must not disclose them to any third party.
The Customer is responsible for all activities conducted through their account unless otherwise required by applicable law.


Customer Security Negligence

BANKO shall not be liable for any unauthorized access, misuse, damages, or losses resulting from:
  • The Customer's failure to safeguard account credentials;
  • Sharing account information with third parties;
  • Using unsecured devices;
  • Weak security measures protecting the Customer's access credentials; or
  • Any negligence on the part of the Customer.


Payments and Financial Information

To the extent permitted by its operational procedures, BANKO does not retain Customers' complete sensitive payment card information.
All payment transactions are processed through authorized payment service providers or financial institutions in accordance with their own policies, security standards, and applicable regulations.
The Customer is solely responsible for ensuring the accuracy of the payment information submitted.


Cookies

BANKO may use cookies and similar technologies for legitimate operational, technical, and analytical purposes, including:
  • Improving Website performance;
  • Enhancing the user experience;
  • Analyzing Website usage and interactions; and
  • Developing and improving services.
By continuing to use the Website, the Customer consents to the use of such technologies to the extent permitted by applicable law.


Analytics and Service Improvement

BANKO may use operational, technical, statistical, and analytical information for purposes including:
  • Improving services;
  • Enhancing Website performance;
  • Developing systems;
  • Strengthening security; and
  • Improving the overall user experience,
in accordance with applicable laws and regulations.


Communications and Notifications

The Customer agrees that BANKO may use the contact information provided by the Customer for operational, service-related, verification, or order-related communications.
The Customer further agrees to receive notifications, service updates, security s, administrative notices, and other communications relating to BANKO's services.


Marketing Communications

BANKO may send promotional messages, marketing communications, special offers, campaign announcements, or service updates unless prohibited by applicable law or unless the Customer opts out using the available methods.


Official Communication Channels

BANKO shall not be responsible for any information, instructions, requests, transactions, or data exchanged or carried out through any communication channel that is not officially approved or authorized by BANKO.


Communication Records

BANKO may retain records of communications, correspondence, interactions, and information relating to services, orders, or transactions for operational, legal, compliance, dispute resolution, or rights protection purposes.


Identity Verification and Impersonation

BANKO reserves the right to take any action it considers appropriate, including verification, suspension, or restriction of services, where there is reasonable suspicion of:
  • Providing false or inaccurate information;
  • Identity theft or impersonation;
  • Unauthorized use of an account; or
  • Any activity that may compromise the security of BANKO, its customers, or its systems.


Security and Operational Verification

BANKO may perform technical, operational, or security verification procedures whenever necessary to:
  • Protect customer accounts;
  • Protect operational processes;
  • Safeguard personal information;
  • Prevent fraud; or
  • Prevent misuse of the Website or its services.


Unauthorized Technical Activities

BANKO reserves the right to take appropriate action if it suspects any of the following:
  • Unauthorized technical activities;
  • Attempts to gain unauthorized access;
  • Vulnerability testing;
  • System scanning;
  • Activities affecting the integrity, security, or availability of BANKO's systems, services, or data.


Voluntary Disclosure by the Customer

BANKO shall not be responsible for any information or personal data voluntarily disclosed by the Customer to third parties or shared through public or unofficial communication channels.


Customer Devices and Technical Environment

BANKO shall not be responsible for any risks, damages, data loss, or technical issues arising from:
  • The Customer's devices;
  • Internet or network connections;
  • Software or applications;
  • Personal technical environment; or
  • Personal tools, settings, or configurations.


Unrequested Information

If the Customer voluntarily provides information or data that is not requested or required, BANKO reserves the right to process such information as reasonably necessary for operational or legal purposes.


Data Retention

BANKO may retain personal data, operational records, contractual records, financial records, and technical information for as long as reasonably necessary to:
  • Provide services;
  • Fulfill contractual obligations;
  • Protect legal rights;
  • Resolve disputes;
  • Comply with applicable laws and regulations; or
  • Meet legitimate operational requirements.


Backup Copies

BANKO may maintain operational and technical backup copies of data and records where reasonably necessary for operational continuity, security, disaster recovery, or legal compliance.


Data Requests and Legal Rights

Requests relating to the review, access, correction, updating, deletion, restriction, or objection to the processing of personal data shall be handled in accordance with applicable laws, regulations, policies, and operational procedures.


Excessive or Unlawful Requests

BANKO reserves the right to refuse, restrict, or limit requests relating to personal data where such requests are excessive, abusive, unlawful, repetitive, or likely to adversely affect operational integrity or the rights of other individuals, to the extent permitted by applicable law.


Minors

BANKO's services are not intended to collect personal information from individuals who do not possess the legal capacity required under applicable law, except where the Website is used under the supervision or authorization of a parent, legal guardian, or another legally authorized person.


Business Transfers and Corporate Restructuring

If BANKO undergoes a merger, acquisition, restructuring, sale of assets, transfer of ownership, or similar corporate transaction, personal data may be transferred as reasonably necessary to ensure business continuity and the fulfillment of related legal and contractual obligations, subject to applicable laws.


Third-Party Websites and External Links

The Website may contain links to third-party websites, services, or tools.
BANKO is not responsible for the privacy practices, content, security, or policies of such third parties. Any interaction with third-party services shall be governed solely by their respective terms and privacy policies.


Priority of Policies

Where specific terms or privacy provisions apply to a particular service, promotional offer, or operational feature, those specific provisions shall prevail to the extent they do not conflict with applicable laws.


BANKO's Legal Rights

BANKO reserves the right to use or disclose personal information where necessary to:
  • Protect BANKO's legal rights;
  • Protect its customers or users;
  • Prevent fraud or misuse;
  • Respond to lawful governmental, judicial, or regulatory requests; or
  • Comply with applicable laws and regulations.


Amendments to this Privacy Policy

BANKO reserves the absolute right to amend, update, or modify this Privacy Policy at any time.
Any amendments shall become effective upon publication on the Website or on the effective date specified by BANKO.
Continued use of the Website or its services after any amendment constitutes acceptance of the updated Privacy Policy.


Governing Language

If this Privacy Policy is translated into any language other than Arabic, the Arabic version shall prevail and shall be the official version for interpretation and resolution of any dispute.


Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws and regulations of the Kingdom of Saudi Arabia.

End of Privacy Policy
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