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Mornings are short. You are always preoccupied with getting ready to go to work and have the kids ready for school. And you can always make mistakes that can harm your physical and mental health.

Starting your day in a healthy way is essential to guarantee a great physical and mental performance throughout the day. That is why you must avoid these morning mistakes:

Checking your e-mail as soon as you wake up

Reading your e-mail can cause you stress and anxiety, especially if you have a lot of unread e-mails. In addition to starting your day negatively, replying to your e-mails when you wake up can increase the probability of making typing mistakes. It is recommended to check e-mails when you arrive to the office.

Postponing exercising

The best time to exercise is during the day because unexpected events, working late and important meetings can occur in the evening which makes it hard to exercise. Therefore, exercise in the morning, even if you do not have enough time, you can do a part of your exercises for ten or fifteen minutes.

Taking a hot bath

Taking a hot bath after waking up can be great, however hot water will make you feel sleepy because muscles will relax and the heart beat will slow down. That is why it is better to take a cold and fast shower in the morning, which contributes to the secretion of Adrenaline that enhances your energy, and Endorphin that improves your mood.

Having a breakfast high on carbohydrates

Studies have shown that having a breakfast high on refined carbohydrates, such as pastry made with white flour, will increase your body’s desire to eat more of these carbohydrates full of calories. It is better to replace carbohydrates with 20 grams of protein, which is equivalent to the protein in two eggs, because proteins give you a feeling of fullness for a longer time.

Brushing your teeth immediately after eating

Brushing your teeth immediately after having breakfast will lead to the erosion of the tooth enamel, especially if the breakfast was of a high acidity such as coffee and fruits. Therefore, it is recommended to brush your teeth after waking up and before having breakfast and to drink a cup of water after eating that can clean your mouth. If you insist on brushing your teeth, wait for at least half an hour after eating.

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Call Center: 24/7 at 1510 (inside Lebanon) or 00961387000 (from outside Lebanon)
Email address: [email protected]

Personal data: Refer to any data that identifies or may identify you, either directly or indirectly, such as your name, contact details, digital images, identification data (e.g. identity card/passport number) and authentication data (e.g. your signature) etc.
Processing: Refer to actions such as the collection, retention, use, disclosure, transfer, deletion or destruction of your personal data.
Individual: Refer to employees, representatives, shareholders, BOD members of BLC, prospective, current and former customers, authorized signatories, beneficial owners, guarantors, advisers, contractors, service providers, partners, committee members, customers, payers, payees and security providers or any other natural persons whose personal information have or will be lawfully obtained by BLC Bank in the normal course of its business.
Data Protection officer: Refer to actions such as the collection, retention, use, disclosure, transfer, deletion or destruction of your personal data.

Individuals: Either directly from you or from your authorized representatives/agents(if applicable), or via other communication channels.
Third parties: Including previous employers, other banks, credit reference agencies and Risk solution companies that enable us to manually screen potential customers and perform enhanced due diligence.
Public sources: Including press, media, internet, Commercial Register, Land Registry , Banking and Liquidation registries, lists and databases maintained by other entities including international organizations.

Fulfillment of contractual obligations : To perform our contractual/Business obligations.
Compliance with Legal obligations : To comply with the legal obligations as well as the requirements of supervisory and regulatory authorities.
Safeguarding legitimate interests : To pursue our legitimate interests. Data are processed under this ground for reasons pertaining to business activities provided that those interests do not override your fundamental rights and freedoms.
Based on your consent : To process your personal data for specific purposes other than the ones described above. The lawfulness of such processing is based on your consent.

Units and/or persons that are authorized to process your data within BLC Bank.
“Fransabank” as a Mother company, where it is necessary for our legitimate interests to do so or in order to comply with our obligations under the law.
Regulatory bodies to whom BLC is required to transfer data under the obligations of national Law and regulations.
Third parties to whom BLC is required to transfer data under the obligations of International treaties and/or binding agreements.
Third parties involved in or in connection with potential or actual litigation, arbitration or other legal process with BLC.
Service providers that deal with BLC under the duty to keep the personal data confidential.
Banks, agents, Financial Institutions, that process your personal data on our behalf are under the obligation to comply with the same personal data protection standards and safeguards as we do
Credit related companies or agencies, which have dealings with BLC.

We retain your personal data for the purposes they were initially collected, in accordance with the law and relevant regulations.
We may need to retain your data for a period longer than 10 years after the termination of our relationship in order to comply with regulatory or legal requirements.
We may need to store your Personal data for a period exceeding 10 years to satisfy our legitimate purposes.
Records can be held on a variety of media (physical or electronic) and formats.

We carry out data evaluations (including on payment transactions) in the context of our anti-money laundering, anti-terrorism financing and anti-fraud measures.
We employ credit scoring to assess your creditworthiness, so that we can evaluate whether customers will meet their contractual payment obligations and to make fair and responsible decisions regarding the provision of our services and products, especially in the context of providing banking facilities, including loans and overdrafts.

You have given us your explicit consent to do so, in which case you may revoke such consent at any time.
Where we believe that such processing is necessary for pursuing our legitimate interests.

The right to access your Personal Data or be provided with a copy of the data being held about you.
The right to request the correction of any inaccuracies in your Personal Data.
The right to request the erasure of your Personal Data, particularly where the continued processing of the data is no longer necessary.
The right to object to the processing of your Personal Data, particularly where there are no longer sufficient legitimate grounds for us to continue processing the data.
The right to data portability, which means to receive a copy of the personal data that you have provided to us and to transmit those data to another organization and/or to request that we transmit such data directly to another organization.
The right to appeal any automated decision making or profiling.
The right to withdraw any consent you may have provided.
The right to fill a complaint to the Data Protection Officer in case of unlawful processing of your Personal Data.

Protect individuals from having their personal data misused or mishandled and assure to them that their personal information is being securely protected.
Establish individuals’ rights by creating responsibilities for businesses by setting guidelines for the way to handle and store their personal data.
Give individuals control over their personal data.
Improve the level of compliance by introducing significant penalties on organizations that fail to meet their regulatory obligations.

LAWFULNESS &FAIRNESS : BLC will only process Personal Data fairly and lawfully and for specified purposes. These restrictions are not intended to prevent processing but to ensure that BLC processes Personal Data for legitimate purposes.
TRANSPARENCY : BLC must provide detailed, specific information to data subjects about what happens to their Personal Data. This information will be provided through appropriate privacy notices that must be concise, transparent, intelligible, easy accessible and in clear and plain Language to allow the data subjects to easily understand the status of their Personal Data.
INDIVIDUAL CONSENT : Explicit consent will be obtained in situations where serious data protection risk emerges, hence, where a high level of individual control over personal data is deemed appropriate. The consent must be freely given, specific, and includes an unambiguous indication whether a clear statement or affirmative action from the data subject to process his/her personal data.
When BLC processes personal data that are necessary to conduct a service requested by a customer, under the agreed terms and conditions the processing is considered legitimate and no further consent is needed.
Written consent shall be presented in an understandable and easily accessible form, using clear and plain language.
Data subjects shall be able to withdraw their consents to processing based on the Bank’s internal procedure. BLC shall maintain a record of all consents obtained to demonstrate compliance.
PURPOSE LIMITATION : Personal Data will be collected only for specified, explicit and legitimate purposes. It will not be further processed in a manner incompatible with those purposes unless the data subject is informed of the new purpose followed by his written consent.
DATA MINIMIZATION : BLC shall make sure that the processed Personal Data is adequate and relevant to the purpose for which it is intended to be processed and will not accumulate Personal Data that is not relevant for those purposes. BLC shall draft a retention policy to ensure that when Personal Data is no longer needed for specified purposes, it is securely destroyed or anonymised.
ACCURACY OF DATA : It is the responsibility of the data subject to provide accurate and updated personal data to BLC. BLC will take all reasonable steps to check the accuracy of any personal data at the point of collection and follow the procedure for reviewing the data at regular intervals thereafter. Incorrect or misleading data will be corrected or deleted as appropriate.
STORAGE LIMITATION : Personal Data will be retained for as long as reasonably necessary and/or as required or permitted by Law .BLC will take the reasonable steps to destroy or erase all personal data that is no longer required by national laws and regulations.
SECURITY OF DATA : BLC Bank shall take the reasonable necessary measures to protect the personal data it processes and to prevent its distortion, alteration, damage or unauthorized access through the implementation of a robust security program including but not limited to policies, controls, monitoring methods, recovery techniques, training and awareness.
Personal data shall be protected against unauthorized access using appropriate organizational, operational and technical measures. BLC will perform regular controls to ensure the effectiveness of these measures.

To perform contractual agreements with customers, suppliers and employees.
To manage the business relationship with the customers & suppliers.
To conduct marketing research and surveys that aim to improve BLC products and services.
To perform internal audit and compliance control.
To fulfill examiners’ demands in the course of external audit missions carried out at the Bank.
To prevent, detect, investigate and prosecute crimes including without limitation money laundering, terrorism financing, fraud and other financial crime, identity verification, government sanctions screening and due diligence checks.
To comply with local & applicable foreign laws, rules, regulations, decisions, judgments or court orders.
To comply with agreements between BLC and any public authorities.
To comply with BLC Bank policies and Code of Conduct.
To monitor and record calls and electronic communications with data subjects for quality, training, investigation, complaints and crime/ fraud prevention.
To defend BLC Bank’s rights, participating in potential or actual litigation, arbitration or other legal process.
To seek professional advice, including in connection with any legal proceedings for obtaining legal advice.
Other purposes for which data subject has given his or her expressed consent.

FRANSABANK “ Mother Company”
Third parties to whom BLC is required to transfer data under the obligations of national Law and regulations, such as: BDL, BCC, CMA, SIC & MOF.
To conduct marketing research and surveys that aim to improve BLC products and services.
Third parties to whom BLC is required to transfer data under the obligations of International treaties and/or binding agreements.
Banks, agents, Financial Institutions, contractors or service providers that deal with BLC under the duty to keep the personal data confidential.
Credit related companies or agencies which have dealings with BLC.
Third parties involved in or in connection with potential or actual litigation, arbitration or other legal process with BLC.

BLC will reasonably make sure that third parties who receive personal data of a data subject shall treat the personal data with confidence and in accordance with Data protection law and regulations. BLC will not transfer data of the data subject to any third party to be used for direct marketing purposes without obtaining the prior consent of the data subject.

Withdraw consent to processing personal data based on the Bank’s internal procedure.
Request access to their personal data.
Prevent the use of their personal data for direct marketing purposes.
Ask the Bank to erase personal data if and when it is no longer necessary. However BLC may deny a request of an individual if the request constitutes an abuse of rights or the request entails a deletion of data required by national Law or regulations.
Rectify or complete personal data.
Be notified of any personal data breach.
File a complaint with the appropriate Legal authority.
Receive or ask for their personal data to be transferred to a third party in a structured, commonly used and machine readable format.

To process personal data based on documented instructions from BLC Management.
To have appropriate technical and organizational measures to ensure an appropriate level of security.
To delete or return all the personal data at the sole discretion of BLC at the end of the service provided.
Delete any existing soft or hard copies of the personal data unless required by national Laws & regulations.
Avoid involving another processor without the prior authorization of BLC Management.

Promote & maintain a culture that respects customer privacy & personal data across BLC & related entities.
Review & approve the Data Protection Policy.
Oversee the level of readiness of the Bank for compliance with data protection requirements.

Promote and enforce high standards of data protection.
Ensure that Data Protection Policy is properly and timely implemented.
Ensure that management and employees are aware of, understand and adhere to data protection standards.
React promptly and effectively to compliance issues that arise whenever a data protection breach is detected or suspected.

Develop and update the Data Protection Compliance Program and ensure its proper implementation.
Provide advices where requested on data protection obligations.
Monitor compliance with data protection law and regulations.
Raise awareness on data protection requirements.
Ensure coordination between the supervisory authorities and BLC Bank.
Act as a contact point for data subjects and the supervisory authority.
Submit periodic reports to BOD Compliance & AML/CFT Committee & Senior Management.
Coordinate with the Organization Department to align existing and new procedures with data protection regulations.

Ensure that all staff working under their responsibilities adheres to the instructions reflected in this policy.
Ensure incorporation of data protection requirements & best practices into business processes.

Develop and maintain an information and cyber security program including policies, procedures, controls, as well as awareness activities to ensure data protection commensurate with the level of acceptable risk as established by the Bank’s General Management.
Ensure incorporation of data protection requirements & best practices into business processes.
Report cyber security incidents involving personal data breaches to the DPO.

Amend BLC existing contracts, agreements and terms & conditions to include all data protection requirements.
Make sure that contracts, agreements, legal forms are aligned with data protection requirements.
Assist DPO in proper handling of conflictual situations arising from data breach.

Perform regular compliance audits to determine the level of compliance of Business & control functions with data protection requirements.
Inform the DPO about identified potential compliance weaknesses.
Submit periodic reports to BOD Audit Committee & Senior Management on the effectiveness of implemented security measures.

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