What Personal Information does AHI Carrier collect? How does AHI Carrier collect such Personal Information?

“Personal Information” is information through which a natural person is identifiable or may be identified. AHI Carrier collects, uses and processes your Personal Information in order to provide you with services, products or information that you request via our Website.

The collection of Personal Information will be transparent to you, and you will have the opportunity to decide whether or not to provide it. If you choose not to provide any of the Personal Information requested, AHI Carrier may be unable to complete your transaction, or provide the information, services or products you have requested.

The types of personal information collected is contingent upon the nature of the relationship between individuals and AHI Carrier. The information collected may include names, personal and professional contact details (including postal code), dates of birth, ages, genders, work particulars (such as organization and position), and banking details.

For job applicants, information related to education, other qualifications, employment history, professional affiliations, and details included in their resumes are also collected additionally.

Your mobile or internet services providers may have a conflicting privacy position or policy that permits them to capture, use and/or retain your Personal Information when you visit the Website, but AHI Carrier is not responsible for and does not control how other parties may collect your Personal Information when you access the Website.

Methods of information collection

AHI Carrier acquires personal information during interactions with individuals, including through its website. Instances may include product or service purchases, product registrations, survey participation, or when an individual applies for a position with the company, etc. The company may also obtain personal information from third parties, such as:

• Suppliers, service providers, consultants, contractors, and subcontractors, including customer service operators.
• From within its business groups, holding companies, and joint venture partners.
• The company may access information available about individuals through social and public channels.
• For job applicants, the company may also collect information from current and past employers and referees that individuals provide.

Why does AHI Carrier collect your Personal Information?

Our purpose in collecting this information is to provide customized services and content relevant to your specific needs and interests. Your information may be used by AHI Carrier to carry out our contractual obligations, reply to your request, authenticate you as a user and allow you access to certain areas of our Website or allow you to apply for a position at AHI Carrier.

Except where used in support of a contract with you or to fulfil a legal obligation, our use of your Personal Information will be only for legitimate business interests as set out below.

Personal Information collected on the Website may be used to:

• Provide requested information, items, or services;
• Respond to your request or further process your submitted form;
• Advertise products, services, promotions, trainings and events relating to AHI Carrier;
• Conduct basic business operations, such as communicate with customers and business planning;
• Develop new offerings, improve the quality of our products, services, Website, improve and personalize user experience, and better prepare future content based upon your interests and those of our general user population;
• Verify your identity to ensure security for one of the other purposes listed here;
• Analyze your behavior on our Website;
• Obtain your location data in order to provide requested information or services;
• Provide investor services;
• Protect against fraud or investigate suspected or actual illegal activity;
• Respond to a legitimate legal request from law enforcement authorities or other government regulators; or
• Conduct investigations to ensure compliance with, and comply with, legal obligations.

This meticulous approach underscores our commitment to the responsible and transparent handling of information at all stages of our engagement.

Does AHI Carrier share the information it collects with third parties?

AHI Carrier FZC is committed to the responsible management of your personal information. It handles personal information responsibly and in alignment with legal standards in all interactions.

AHI Carrier may share your Personal Information with its affiliated companies and subsidiaries, such as companies in which AHI Carrier has control, through either direct or indirect ownership for the purposes set out above.

In addition, AHI Carrier will provide access to or share Personal Information on an as-needed basis with third parties, such as trusted service providers, consultants and contractors who are granted access to AHI Carrier facilities and systems or which provide services to Carrier, and with government agencies and others as required by law. In particular, AHI Carrier will only share your Personal Information outside AHI Carrier to:

• Service providers, dealers, distributors, agents or contractors that AHI Carrier has retained to perform services on our behalf. AHI Carrier will only share your Personal Information with third parties whom AHI Carrier has contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements. This may also extend to corporate entities within the organization's network, such as holding companies, joint ventures, and business groups.
• Comply with legal obligations, including but not limited, to complying with tax and regulatory obligations, sharing data with labor/trade unions and works councils, and responding to a court proceeding or a legitimate legal request from law enforcement authorities or other government regulators;
• Investigate suspected or actual illegal activity.

For job applicants, this disclosure extends to relevant parties, such as referees, as part of the employment history and qualification verification process.

We may disclose personal information to overseas recipients, including related bodies corporate and service providers in India.

Where we disclose personal information to an overseas recipient, we will take reasonable steps to ensure that the recipient complies with the Privacy Principles in the United Arab Emirates, as applicable.

Our website uses cookies to improve your browsing experience. The information does not usually directly identify you, but it can give you a more personalized web experience. Cookies help us track visitor journeys, understand interests, and optimize website functionality. Visitors may choose to disable cookies via their browser settings; However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Additionally, we collect information such as IP addresses, domain names, and referring websites to analyze visitor traffic patterns and enhance the overall experience.

Do Not Track (DNT) Signals

Certain browsers offer Do Not Track (DNT) settings that allow users to communicate their privacy preferences. While we strive to respect DNT settings, our website may not fully accommodate them due to limitations with third-party technologies. Not all third parties on our site can interpret or respond to DNT signals consistently, and we cannot guarantee compliance with DNT across all third-party services.

What are the Credit Related Personal Information Collected? How does AHI Carrier collect such Information?

To support the provision of credit in connection with our products and services, AHI Carrier FZC collects credit-related personal information from individuals applying for credit or offering guarantees for credit provided by the company. We also collect this information for directors of companies seeking credit or providing guarantees.

The following sections outline the categories of credit-related personal information we gather, how it is used, and under what circumstances it may be disclosed.

Types of credit-related personal information collected:

AHI Carrier may collect various types of credit-related personal information about individuals, including:

• Identification Details: This encompasses your name, personal and work contact details (including postcode), date of birth, and driver's license or license number.
• Asset Information: Details about assets owned and any security held against those assets.
• Court Proceedings Information: Information about court proceedings in which you are or were involved, including any court orders affecting your ability to make payments to us.
• Credit Check Report Details: This includes information from your credit check report, such as credit providers you have commercial or consumer credit with and your payment history, including any defaults.
• Payment History: Information about your payment history, including defaults, for goods and services provided by AHI Carrier.
• Interactions with Collection Agencies: Information about your interactions with our collection agencies.
• Trade Referee Information: Information provided by your trade referees.
• Insolvency Event Information: Where applicable, details about any relevant insolvency events.

Credit-related personal information collection process:

AHI Carrier collects credit-related personal information primarily through credit application forms completed by individuals. Additionally, this information may be sourced through the following channels:

• Credit Reporting Bodies: Information may be obtained from credit reporting agencies for the purpose of assessing creditworthiness.
• Trade Referees: Relevant details may be gathered from trade referees provided by the individual to support credit assessments.
• Publicly Available Sources: Information accessible through public records or channels may be considered in the collection process as applicable.
• Company Contacts for Directorship Changes: Information may be acquired from the company’s designated contact person, especially in cases of credit applications or directorship changes.
• Collection Agencies and External Solicitors: Data may be sourced through collaboration with AHI Carrier’s collection agencies and external legal representatives when necessary.
• Administrators and Liquidators: If applicable, information may be obtained from administrators and liquidators associated with a company.
• Government Bodies: Relevant information may be sourced from government entities as permitted by law.

For individuals acting as guarantors, AHI Carrier may also collect their names and contact information as provided by the credit applicants.

Use of credit-related personal information

For Individuals Applying for Credit:

When an individual applies for or receives credit from AHI Carrier, the company uses their credit-related personal information to:

• Assess and process the credit application,
• Manage and service the credit account, and
• Facilitate the collection of any overdue payments, if required.

For Guarantors:

If an individual is acting as a guarantor, AHI Carrier uses their personal information to:

• Assess whether to accept them as a guarantor, and
• Enforce the guarantee if necessary, in line with applicable terms and conditions.

Disclosure of credit-related personal information:

AHI Carrier may disclose individuals' credit-related personal information to credit assessment companies, credit reporting bodies, securities register bodies (e.g., PPSR), government-operated security register bodies, collection agencies, and external solicitors.

Additionally, AHI Carrier reserves the right to disclose credit-related personal information to overseas recipients, including service providers in India and the United Arab Emirates. When AHI Carrier discloses credit-related personal information to an overseas recipient, the company is dedicated to taking reasonable steps to ensure compliance with the Privacy Principles in the United Arab Emirates, wherever applicable.

For comprehensive details on how AHI Carrier handles credit-related personal information, individuals are encouraged to refer to the relevant sections below of the Privacy Policy, which apply universally to all personal information, including credit-related details.

How does AHI Carrier secure Personal Information?

AHI Carrier is committed to ensuring the security and integrity of Personal Information. AHI Carrier has adopted reasonable physical, technical, organizational and administrative measures to safeguard your Personal Information. These measures are designed to prevent misuse, interference, loss, and unauthorized access, use, modification, and disclosure. However, due to the nature of Internet communications, we cannot guarantee or warrant that your transmission to us is secure.

Service providers engaged by AHI Carrier are contractually bound to refrain from using or disclosing any personal information disclosed to them, except as necessary for performing services on behalf of AHI Carrier or to comply with legal requirements. This commitment underscores AHI Carrier's dedication to maintaining the utmost security and privacy standards for its users.

How long does AHI Carrier keep your Personal Information?

The Personal Information you provide to AHI Carrier is only kept for as long as it is reasonably necessary for the purposes for which it was collected, taking into account our need to comply with contractual obligations, resolve customer service issues, comply with legal requirements and provide new or improved products and services to users. This means that we may retain your Personal Information for a reasonable period after you stop using the AHI Carrier Website. After this period, your Personal Information will be deleted from all systems of AHI Carrier without notice.

How can you correct, change or delete your information held by AHI Carrier?

Individuals can request to access, update, correct, change, or delete your Personal Information at any time. AHI Carrier will use reasonable efforts to timely update and/or remove your Personal Information. To protect the user’s privacy and security, AHI Carrier will take steps to verify the user’s identity before making any requested access or change. To access, update, correct, change, or delete your Personal Information, to ask questions or to raise concerns regarding data protection and privacy, or submit your request by contacting AHI Carrier at the provided contact details.

For credit-related personal information, AHI Carrier generally aims to provide access or corrections within 30 days, unless unusual circumstances apply or an alternative period is agreed upon in writing.

Under certain circumstances, access to or correction of personal information may not be feasible. In such cases, AHI Carrier will furnish a written notice explaining the reasons for refusal and outlining actions the requester may take if dissatisfied with the response.

Please note that while we will assist you in protecting your Personal Information, it is your responsibility to protect your passwords and other access credentials from others.

To file a complaint about your personal information handling, please contact AHI Carrier using the contact details provided. AHI Carrier commits to swift investigation and response. For complaints related to credit information, acknowledgment occurs within 7 days, detailing the resolution process. Depending on the nature of the complaint, consultation with credit reporting bodies or other credit providers may be necessary. A written decision is provided within 30 days, or as agreed upon in writing for extended periods.

This Privacy Policy may be updated periodically to reflect changes in our information handling practices or legal requirements without prior notice. We encourage you to review this Privacy Notice on a regular basis for any changes. The date of the latest version will be identified at the bottom of the policy.

Last updated: November 2024