1. Site Publisher:

The website www.cihbank.ma is published by Crédit Immobilier et Hôtelier, a public limited company with a board of directors and a capital of 3,051,978,400 Dirhams; Trade Register Number: 203 Casablanca; Registered Office: 187, Avenue Hassan II 20.019 Casablanca, Morocco.

Graphic Design: Rapp Collins
Development: Rapp
Hosting: Crédit Immobilier et Hôtelier

2. Access and Use Conditions:

Crédit Immobilier et Hôtelier has established this informational website for both CIH BANK customers and non-customers. Browsing this site is subject to applicable regulations and the terms and rules of this legal notice.

The website www.cihbank.ma is accessible 24/7, except in cases of force majeure, computer difficulties, network structure-related issues, or technical difficulties. For maintenance reasons, Crédit Immobilier et Hôtelier may temporarily interrupt the website.

3. Information on the Website:

The information on this site is provided for informational purposes. No information on this site, necessarily simplified, can be considered a contractual offer of services or products.
External information used on this site comes from reliable sources but does not imply any liability on the part of Crédit Immobilier et Hôtelier. CIH BANK strives to ensure the accuracy and updating of the information on this site and reserves the right to modify and correct the content at any time without prior notice.

4. Processing of Personal Data:

Crédit Immobilier et Hôtelier may ask users to provide personal information such as their name, first name, contact details, and email addresses in some cases (questionnaire, information request, complaint, etc.). This information may be subject to automated processing.

The user authorizes the bank to:
> Process data related to their person, the products and services they use, and communicate them to its subcontractors and partners.
> Share information and personal data concerning them with any institution or entity that is part of the Bank's Group.
> Communicate information and personal data concerning them for operations that may involve a transfer of data to a foreign state.

In all cases, the bank implements means to ensure the protection and security of this data in accordance with the provisions of Law No. 09-08 on the protection of individuals with regard to the processing of personal data. This information will not be made available to third parties.

In general, user contact information is used to better serve them, including responding to their requests and possibly sending them the information they want to receive or any other information related to CIH BANK's products and services.

In addition, the processing carried out by the Bank may, in particular, have the following purposes:

> Managing the account(s) and/or products and services subscribed, managing, studying, and granting credit, selecting risks, managing operational risk, preventing fraud, recovering or transferring claims, and managing payment incidents.
> Prospecting and conducting commercial activities, statistical and asset studies.
> Complying with legal and regulatory obligations, especially in anti-money laundering and counter-terrorism financing. In this regard, the bank is required to provide any information, data, or documents concerning the client or the transactions carried out on their account to any administrative or judicial authority with the right to request such information in accordance with the applicable legislation.
Executing the client's orders and transactions, especially within the framework of pooling means and services within the Bank.
Securing transactions, especially those carried out through computer networks and the use of international payment networks.
The user has the right to access personal data concerning them and can also request that inaccurate, incomplete, or outdated data be corrected, updated, or deleted."
They can also object, subject to providing a legitimate reason, to personal data concerning them being processed, with the understanding that this objection may result in the bank's inability to provide the requested or subscribed product or service.
The client or user can object, without having to provide a reason, to the use of this data for commercial prospecting purposes
These rights can be exercised at the branch where the account is open.