Website: ratibecardae.com | Effective Date: May 2026 | Last Updated: May 2026
Introduction
This Privacy Policy explains how ratibecardae.com (“we”, “us”, “our”) collects, uses, stores and protects information when you visit our website. We are committed to protecting your privacy and handling any information we collect in a transparent, lawful and responsible manner. By using this website, you agree to the terms of this Privacy Policy. If you do not agree, please stop using this site.
Who We Are
ratibecardae.com is an independent information website. We are not a financial institution. We are not affiliated with First Abu Dhabi Bank (FAB), Magnati, or any UAE government body. We do not provide financial services or process any banking transactions.
Information We Collect
Information You Provide Directly
We collect information that you voluntarily provide when you use our contact form or subscribe to any newsletter or email updates we offer. This may include your name and email address. You do not need to create an account to use this website.
Information Collected Automatically
When you visit ratibecardae.com, certain information is collected automatically by our hosting provider and analytics tools. This may include:
- Your IP address
- The type of browser and device you are using
- The pages you visit and the time spent on each page
- The website that referred you to us, if any
- Your general geographic location based on IP address, at country or city level only
This information is collected in aggregate form and is used to understand how visitors use our site. We do not use this information to identify individual users.
Information You Enter Into the Balance Check Tool
Important: We do not collect, store, transmit or process the card details you enter into our balance check tool. The tool opens the official Magnati portal at ppc.magnati.com/ppc-inquiry in a new tab. Your card details are never sent to our servers. We have no access to any information you enter into the tool.
How We Use Information
We use the information we collect for the following purposes:
- To operate, maintain and improve our website
- To understand how visitors use our site and which content is most useful
- To respond to enquiries submitted through our contact form
- To send email updates if you have subscribed and given your consent
- To detect and prevent fraudulent or abusive behaviour on our site
Cookies
What Are Cookies
Cookies are small text files placed on your device by websites you visit. They are widely used to make websites work more efficiently and to provide information to site owners.
Cookies We Use
- Strictly necessary cookies — These are essential for the website to function. They do not collect personal data and cannot be switched off.
- Analytics cookies — We may use tools such as Google Analytics to understand how visitors use our site. These cookies collect information in aggregate and anonymous form. No personally identifiable information is collected through these cookies.
- Preference cookies — These may be used to remember your preferences such as language settings.
How to Control Cookies
You can control and manage cookies through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, or receive a warning before a cookie is stored. Please note that disabling cookies may affect the functionality of some parts of our site. For more information about managing cookies, visit allaboutcookies.org.
Third-Party Services
Google Analytics
We may use Google Analytics to collect anonymous data about how visitors use our site. We have enabled IP anonymisation so that your full IP address is never stored by Google Analytics. You can opt out by installing the Google Analytics opt-out browser add-on at tools.google.com/dlpage/gaoptout.
Google AdSense
We may display advertisements served by Google AdSense. Google AdSense uses cookies to serve ads based on your previous visits to our site and other websites. You can opt out of personalised advertising by visiting adssettings.google.com.
External Links
Our site contains links to external websites including the official FAB website, the Magnati portal, the Payit app download pages, and other third-party resources. We are not responsible for the privacy practices of external websites. We encourage you to read the privacy policy of any external site you visit.
Data Retention
We retain contact form submissions and email subscription data for as long as necessary to respond to your enquiry or to provide the service you requested. We do not retain any card information because we do not collect it in the first place. Analytics data is retained in accordance with the default settings of the analytics provider we use.
Your Rights
Depending on your location, you may have certain rights regarding your personal data. These may include:
- The right to access personal data we hold about you
- The right to correct inaccurate personal data
- The right to request deletion of your personal data
- The right to withdraw consent for data processing at any time
- The right to object to certain types of data processing
To exercise any of these rights, please contact us using the contact form on our website. We will respond within a reasonable timeframe.
Data Security
We take reasonable technical and organisational measures to protect the information we hold against unauthorised access, loss or misuse. Our website uses HTTPS encryption to protect data transmitted between your browser and our server. However, no method of transmission over the internet is completely secure. We cannot guarantee absolute security of your data.
Children’s Privacy
This website is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date at the top of this page. We encourage you to review this page periodically. Continued use of our site after any changes constitutes your acceptance of the updated policy.
Contact Us
If you have any questions about this Privacy Policy, please contact us through the contact form on our website at ratibecardae.com.
For card-specific issues, contact FAB directly at 600 52 2298 (UAE) or +971 2 499 6279 (international).
ratibecardae.com is not affiliated with First Abu Dhabi Bank (FAB), Magnati or any UAE government authority. Information on this site is for educational purposes only.