Privacy, Security & Fraud
CalBank PLC, its subsidiaries and associate companies (we, us, our) understand 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 when you submit questions, request information, or give us feedback. We may ask you for your personal information which may include the following:
- Email address;
- Phone number; and
- Any 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;
- Profession or Job Title;
- Demographic information;
- Work Industry; and
- Preferred contact method.
CalBank will not ask for your personal identification numbers (PINs) and passwords.
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. Personal data may only be processed if the purpose for which it is to be processed, is necessary, relevant and not excessive. We will ensure that any such information collected is used only for the purpose to which it is collected.
Email messages sent to the Bank over the Internet cannot be guaranteed to be completely secure unless an 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 any 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 internet and browsing skills and computer equipment to access this site and are not below the age of eighteen (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 this Website, or illegally introduce data to, or modify the data on this Website.
Use of Your Personal Information
We limit the collection and use of personal information not within the public domain to the minimum. We believe it is necessary to deliver superior service to you. The information collected on or over this Website is to enable us to keep internal records, follow your instructions, process your personal information for ordinary business purposes. Business purposes includes opening and maintaining your account, giving effect to transactions, administering claims where applicable, managing our risks and maintaining our overall relationship with you. Additionally, we collect information on our Website to enable us to carry out statistical and other analyses to identify potential markets and trends, evaluate and improve our business (i.e. improving and developing existing and new products and services), make sure our business suits your needs and comply with applicable laws and 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 except where the purpose for which the personal data is processed is necessary to pursue our legitimate interest, 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 share your information 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 without your consent.
How We Protect Your Information – Security
We have developed strong security measures to protect customer privacy. We restrict access to personal information about you to any employer who needs to know that information to provide products or services to you. However, we maintain that we will not share any such information without your consent. 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.
To demonstrate our commitment to information security, CalBank PLC has implemented and certified to industry best practice security controls such as the ISO/IEC 27001:2013 and the Payment Card Industry Data Security Standard (PCI DSS). Implementing the ISO 27001 and PCI DSS Standards, provide an assurance that the Bank is meeting its regulatory requirements to apply due care to information security practices. You can therefore be reasonably assured that your transactions and information with CalBank PLC is well managed in accordance with international best practice. The Management of the Bank is fully committed to the information security management system and always requires same from all our staff, service providers and partners.
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 national and international law.
Bank of Ghana Notice to Banks, Specialised deposit taking institutions and the Public
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