American Express

Website Site Rules and Regulations

The Statements of protection of the customers' confidential information when rendering the services of the International Bank of Azerbaijan, PLC via Internet in Azerbaijan Republic

The "Statements of Confidential Information Protection" apply to the visitors of website, which is administrated by the International Bank of Azerbaijan, PLC (hereinafter referred to as the "Bank"), and refers only to the products and services of the Bank rendered in Azerbaijan Republic. If you have any product of "American Express", which has not been issued by the Bank, then, in order to find the appropriate web page and read the rules of confidentiality on that site, please, refer to the Worldwide Sites' page of the "American Express" company Website. For us, the protection of confidentiality is an imperative. We hope that the information stated below will help you to understand how the Bank collects, uses, and protects the personal information that you submit to us on our Website.

Security

When you send us confidential information about your bank account via the Bank's Website, we require setting up a "secure mode" by the use of Secure Sockets Layer*.

Collection of Information

When you are browsing the Bank's Website as an unauthorized user of any online services of the Bank, then you gain an access to this information as an anonymous user. Your personal information, such as your name, address or telephone number is not sent to us during the session when you operate as an anonymous user. However, the Bank uses the "cookies" to collect information about the usage of our website. Generally, such type of information as server, through which you access the network, type of your browser (for instance, Netscape or Internet Explorer), whether you have clicked the Bank's banner or the bank's counteragent, is collected and traced. This information is used to analyze the number of clicks on the banner advertisements. If you would like to know more about cookies, please, read the section "About Cookies".

Use of Information

The information that you give us we can use, for instance, to render the service, ensure the correct billing, measure the consumer interest towards our various services and inform you about the products and services. These data are based on the information that you provide us in accordance with the appropriate agreement on rendering the bank service, during the website session, in the questionnaires, the information, which can indicate the consumer preferences and lifestyle, as well as the information available from external sources, such as trading and marketing agencies.

Please, be advised that we can send you the different offers on behalf of our partners. Keep in mind that if you take an advantage of an offer from the Bank's partners and become their client, they are likely to send you the offers separately from us. In this case, if you do not want to receive the offers from these companies any further, then you should inform them individually.

Our goal is to offer a deal to those individuals who, to our opinion, will find such information useful and valuable. All offers are developed and coordinated in accordance with the strict rules that help to observe the security and keep the customers' personal information secret. However, you can refuse to receive such offers at any time.

The commitment of Bank to observe the confidentiality

Please, take into consideration that the websites of "American Express" company on the other markets, which are associated with the Bank's Website, have their own Statements of Confidentiality that fully correspond to the principles of "American Express" in the field of protection of consumers' personal information. When necessary, they can vary with regards to specific products and services or conform to the local legislation and practice in the different regions of the world. The Bank shall not be responsible for the observation of confidentiality policy by the third parties (not the Bank), if the respective website is not the Bank's website. You should keep in mind that the other websites, the links on which are contained on the Bank's Website, might have the rules of confidentiality other than the rules described on this Website.

*Secure Socket Layer (SSL) is the protocol that guarantees a secure transmission of data over the network; combines the public key cryptosystem and block data encryption.

Changes in the Statement of the Confidential Information Protection

All changes in the Statements of protection of the customers' confidential information when rendering the services via Internet will be outlined herein in order to ensure that you are always entirely informed about the security that we provide with respect to the confidential information and the optional set of choices that you have concerning our use of personal information for the purposes of marketing.

The date of latest update: __/__/__

About Cookies

The Cookies have initially been created to enable the browser to recognize the users and thereby to save and store information about any customer preferences registered while the user is browsing the website. Cookie is a short string of text, which the website can send to your browser. Cookie cannot extract data from your hard disk drive, transmit the computer viruses, or record the data about your electronic address. Nowadays, the websites use the cookies to enhance the websites' capabilities for browsing by users; generally, the cookies can securely store the user identification, password, information about home pages, and also identify, which the sections of website are visited or record the preferences in the "consumer goods basket".

If you are just viewing the Bank's Website, then the cookie identifies your browser only. If you become the registered user of the Bank's Website (with an appropriate user name and password), then we use the cookies to provide you with the information that is intended for you as a customer, and which, to our opinion that is based on the recorded preferences and other information about you, will be useful for you. Your browser can be tuned for an option of notifying you about the certain downloaded cookies; thus, you will be able to decide whether you would like to give the permission to use the cookie. If you are just viewing our Website as an unauthorized user, so far as you can reject the use of cookie you can keep browsing the site. However, if you visit Website where you gain an access to the confidential information about your bank account (for instance, checking your bank accounts), then you must give a permission to use the cookies on this website since they are necessary for the management of Website and security. Giving the permissions to use cookies you should take into consideration that such permission will not affect your right to accept or refuse to receive the offers from the Bank to your e-mail address.

Below are the guidelines for configuring the cookies:

Netscape Navigator 4:

Select "Preferences" in the "Edit" menu. Select "Add-on" in the "Preferences" menu: the several options for cookies will be listed there in the bottom-right corner. In addition, you can select "Help" for obtaining more detailed information. For further information about the Netscape browser and the ways of using the cookies, please visit the website of Netscape.

Microsoft Internet Explorer 4:

Select "Options" in the "View" menu: Select "Additional Menu" and find the section "Cookies" where the several options are offered. For further information about the Microsoft Internet Explorer browser and the ways of using the cookies, please visit the website of Microsoft Internet Explorer.

AOL:

If you are using AOL v3.0 for Windows 95: Select "Preferences" in the "Participants" menu. Press WWW sign and select "Add-on": If you would like to be notified before giving permission for using cookies, then change the user preferences.

If you are using the following AOL browsers, then you will not be able to set up the preferences for cookies because these browsers accept cookies automatically:

• AOL v3.0 for Windows 3.0 that uses its own browser AOL or AOL version of Microsoft Internet Explorer v3.0;
• AOL for MAC that uses the version of AOL Microsoft Internet Explorer 2.1.

All previous versions of AOL browsers do not support cookies and therefore cannot authenticate you as the registered user of the Bank's Website that implies sending and receiving information about your bank account.