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Terms and Conditions

Terms and Conditions:

This document contains the “Terms and Conditions”, which shall be applicable to all users who subscribe in BCRB SMS notification system through the website. The User is advised to carefully read and understand these Terms and Conditions before subscribing to this service. By subscribing, the User will be deemed to have read, understood and confirms his/her acceptance of the Terms and Conditions, mentioned here. The user will be bounded by these terms and conditions, as amended from time to time.  The terms and conditions shall be displayed on BENEFIT’s website and shall continue to apply each time the User uses the service.


BCRB: Bahrain Credit Reference Bureau operated by the BENEFIT Company

BENEFIT: Bahrain Electronic Network for Financial Transactions; the company owner responsible for the implementation and operation of this service.

Member: The member of the Bahrain Credit Reference Bureau who is authorized by the law and government entities including Ministries and bodies defined by the Cabinet’s Resolution to provide the Bureau with credit information of its clients and other persons who is obliged by the Central Bank to provide the Bureau with any credit information of its clients.

Service: The user will be notified by SMS, of any inquiry done by BCRB members where he/she does not have any existing credit facility with the member.

Disclaimer Terms:

By entering your mobile number, you will be subscribing for this service and you agree to be bound by the terms and conditions of this Agreement. This Agreement explains our obligations to you, and your obligations to us in relation to the Service.

By agreeing to the terms and conditions of this agreement, you will be subscribing to the SMS service and receive SMS notification of any inquiry done by BCRB members where you do not have any existing credit facility with the member.

By using the service, you warrant that all information submitted by you is true, current and complete.

BENEFIT accepts no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission or communications line failure, relating to the service.

By subscribing to the service, you warrant that the information which you submit does not infringe the intellectual property, privacy or any other rights of any third party. 

You may at any time unsubscribe from the Service by contacting the BENEFIT Company or sending an email to the Complaints Officer ( complaints@benefit.bh)

BENEFIT is the technology provider and does not interfere with any business relationships between you and the members.

User authorizes BENEFIT to store information provided at the registration (Name, CPR and Phone number).

The User authorizes BENEFIT to use the information for the purpose of market analysis and for statistical purposes.

BENEFIT shall ensure its best effort to secure all the information related to it in accordance to international standards and best practices.

BENEFIT shall not liable of any loss whatsoever and of any kind to the customer that could be related to this service.

Privacy Policy: 

Our privacy policy is subject to change at any time without prior notice. You are advised to always review the policies for any changes prior to using the service. The updated policies and terms of use are always updated and available in the application and www.benefit.bh

When you subscribe to this service, we collect and store your personal information provided by you. We collected and store this information to ensure that you are provided an efficient, smooth and seamless experience.

We may use the information obtained in order to detect, protect and prevent against error, fraud and other criminal activity and to enforce our terms and conditions which are condition precedent to use this service. We collect and process personal information to provide the services you request.

Personal data collected by BENEFIT is restricted to the minimum information required to provide our services or as required by regulators. The consequences of not providing mandatory information may result in our inability to provide services requested by you.

We have instituted adequate measures for providing an appropriate level of security aligned to the nature of the data being processed, and the risks that may arise from this processing. Our various security measures include encryption, firewalls and access controls. Data is shared within BENEFIT (including employees, contractors, agents, etc.) on a need to know basis and under strict confidentiality arrangements.

Data collected and processed by BENEFIT is also protected through encryption.

BENEFIT will only disclose your personal information to third parties that have agreed in writing to provide a sufficient level of privacy protection.

We may need to transfer data outside Bahrain for providing uninterrupted services to you.

BENEFIT retains data for as long as required and in accordance with local regulatory and professional retention requirements. BENEFIT will retain data for the duration of this agreement. After the termination of this agreement, the data will be retained by BENEFIT for 5 years. BENEFIT may retain anonymized information for significant periods of time for historical, research and analysis purposes

Governing Law:

The present Terms and Conditions and its amendments from time to time shall be governed by the laws of Kingdom of Bahrain and subject exclusively jurisdiction of the Bahrain Courts.

To learn more about your rights and the dispute procedure, please refer to BCRB Code of Practice

You confirm that you have read the above and fully understood the terms and conditions above. You also acknowledge to have fully understood to why BENEFIT retains certain information and also give your consent for BENEFIT to retain this information and also to disclose it to the parties mentioned above or to any other party that may require in connection with my contractual relationship with BENEFIT.