CALBANK`S PRIVACY POLICY FOR THE WEBSITE AND INTRANET

How do we value your privacy – Privacy Statement

CalBank Ghana Limited, its subsidiaries and associate companies (we, us, our) understands that our customers expect us to appropriately treat all personal information collected through this website, intranet, mobile applications and other channels as private and confidential and therefore values the trust placed in our care.

Information We Collect and Use

This refers to data you give us.  We collect data through our online forms and live chats such as when you submit questions, request information, or give us feedback, we may ask you for personal information that includes details such as your:

• Name
• Email address
• Phone number
• Other data that can be reasonably linked to you as an individual and an account holder

We may also ask you to provide other data relevant to your question, request, or feedback, such as your:

• Geographical location
• Professional 
• Demographic information
• Industry 
• Preferred contact method

Cookies

Cookies are small data files which are placed on your device when you visit certain parts of our Website or click on our online advertisements),.  Whenever you visit our site, we use cookies to collect information such as internet protocol (IP) address; browser data; data about your device; the date and time of your visit; operating system and version; web browser type and version; page(s) visited on the Site; data about videos or other content viewed on the Site (e.g., type and name of content and time viewed); and the web page you visited immediately prior to visiting this Site. Cookies help us to give you the best browsing experience.. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Sites

We generally do not seek sensitive personal information (e.g., information relating to an individual’s racial or ethnic origin, political opinions or other similar beliefs, health or medical conditions, criminal background, or trade union membership). If you voluntarily provide sensitive personal information for any reason or we are required to collect such information as a result of legal requirements imposed on us, we will, where necessary, obtain your explicit consent and use such information in accordance with this Privacy Statement and applicable law.

Email Contents

Email messages sent to the Bank over the Internet cannot be guaranteed to be completely secure unless email indemnity is in place. The Bank is not responsible for any damages incurred by users if they send a message to the Bank, or if the Bank sends a message to them at their request, over the Internet. The Bank is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this website. All electronic communication via email are kept for future reference. 

Visit to our Website

Users of this website acknowledge that they have the requisite skills and equipment to access this site and are not below the age of 18. Users of this website agree to use the website for lawful purposes only. It is a criminal offence to hack, distort, damage, delete or modify any content or communication on the website, or to hinder or distort the functioning of the site, or illegally introduce data to, or modify the data on the website.

Use of Your Personal Information

We limit the collection and use of non‐public personal information to the minimum we believe is necessary to deliver superior service to you. The information collected on or over this website is to enable us keep internal records, follow your instructions, process your personal information for ordinary business purposes (this includes to open and maintain your account, give effect to transactions, administer claims where applicable, manage our risks and maintain our overall relationship with you), carry out statistical and other analyses to identify potential markets and trends, evaluate and improve our business (this includes improving existing and developing new products and services), make sure our business suits your needs and comply with applicable regulations.

Without your personal information, we may not be able to provide or continue to provide you with the products or services that you need.

Information We Share

We do not share your personal information with third parties as described in this privacy policy except when we believe it necessary for the conduct of our business, or where disclosure is required by law. We may share your personal information with (a) third party service provider (b) business partners (c) affiliate companies within our corporate structure and (d) as needed for legal purposes only on a need to know basis with prior authorization from you. Except in those specific, limited situations, without your consent, we will not make any disclosures of non‐public personal information to other companies who may want to sell their products or services to you.

How We Protect Your Information – Security

We have developed strong security measures to protect customer privacy. We restrict access to non-public personal information about you to any employer or employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with standards to guard your non-public personal information. If you decide to close your account(s) or your account(s) become inactive, we will continue to adhere, as required by law, to the Bank’s current privacy policies and practices.

How We Manage Your Personal Data

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.

How Long We Store Your Information

We store personal information as required by law.

Changes To This Privacy Policy 

This Privacy Policy is effective as of (add date) and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. Your continued use of our site or any online service following changes to the Policy will constitute your agreement to any changes.

Contact Us

If you have further questions about this Privacy Policy at CalBank, please contact us.

Acceptance

This agreement has been read and understood by me. I certify that I am an adult and hereby accept the terms and conditions of use of the CalBank`s website.