Data Privacy Policy
Your data, your trust: our commitment to absolute confidentiality.
Data Privacy Policy
Your data, your trust: our commitment to absolute confidentiality.
Privacy policy
Privacy policy
At BIIC, the protection of your personal data is an absolute priority.
This privacy policy describes how we collect, use, share and protect your personal data to minimize the potential for its unauthorized use, disclosure and destruction.
If you provide us with information about other people (such as your family or joint account holders), you confirm that they understand the information contained in thisprivacy policy data about how we use it. By using our services, you accept the practices described in this policy.
If you provide us with information about other people (such as your family or joint account holders), you confirm that they understand the information contained in thisprivacy policy data about how we use it. By using our services, you accept the practices described in this policy.
Your data protection experience with us
We are responsible for processing your personal data. If you have any questions regarding the use of your information, you can contact us.
Legal reasons for the collection of personal data by the bank
Legal reasons for the collection of personal data by the bank
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Consent of the data subject.
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Providing banking and related services to the data subject.
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Necessary to protect the vital interests of an individual in accordance with data privacy regulations.
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Compliance with legal obligations.
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In the legitimate interests of the Bank (except where these interests are overridden by the interests or rights and freedoms of the data subject).
CONFIDENTIALITY OF PERSONAL DATA
CONFIDENTIALITY OF PERSONAL DATA
When we collect personal data, we provide a safe, secure and confidential environment across all of our delivery channels to ensure that your personal data remains private and used for the purposes for which it is held.
We have a legal obligation to keep your data confidential, however, we may disclose your data to a third party in the following cases :
We have a legal obligation to keep your data confidential, however, we may disclose your data to a third party in the following cases :
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we are legally obliged to do so ; the disclosure of your data is imposed by a legal authority ; Or
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in circumstances where the disclosure is made with your express consent or through a representative designated by you.
PERSONAL INFORMATION WE COLLECT ABOUT YOU
INFORMATION YOU PROVIDE TO US
We collect data directly from you as a customer or potential customer. We collect information that you provide to us directly through your access or use of the products and services.
INFORMATION YOU PROVIDE TO US
The Bank may collect information about you from other sources such as, but not limited to:
INFORMATION WE MAY COLLECT ABOUT OTHER INDIVIDUALS
In certain circumstances you may provide us with information about people who do not have a direct relationship with us. This may happen, for example, when you provide us with information about:
We refrain from collecting any types of data other than the categories mentioned in this policy. Additionally, personal data collected by our organization is used only for the purposes stated and explicitly listed in this data privacy notice.
We collect data directly from you as a customer or potential customer. We collect information that you provide to us directly through your access or use of the products and services.
INFORMATION YOU PROVIDE TO US
The Bank may collect information about you from other sources such as, but not limited to:
- Representative(s) of a client company;
- Legal representatives (power of attorney) of a client;
- The people designated to act on your behalf;
- Credit bureaus or credit reporting agencies;
- Contact person designated by an existing account holder;
- Beneficiaries of your payment transactions;
In certain circumstances you may provide us with information about people who do not have a direct relationship with us. This may happen, for example, when you provide us with information about:
- Shareholder(s)/Director(s) of a client company;
- Representative(s) of a client company;
- The people designated to act on your behalf;
- Ultimate beneficial owners;
- Co-borrowers/guarantors;
- Employers of our clients;
WHAT PERSONAL DATA DO WE COLLECT? / USE OF YOUR PERSONAL INFORMATION
Personal data includes information that we collect and process about you based on the products or services you obtain or receive. The following is a non-exhaustive list that highlights some, but not all, examples of the categories of information we collect about you:
Information from online activities:
We collect information about your Internet activity using a technology known as cookies, which can often be controlled through Internet browsers and by using our Cookie Preference Center on our website.
We automatically collect the following when you use our website or apps:
| Category | Description |
|---|---|
| Account opening |
Identity and contact details:
We process your personal data in order to examine and process your request to open an account with us. This processing is necessary so that we can take regulatory action at your request before entering into an agreement with you and is also necessary to decide whether or not we can offer you the product you have requested. This type of processing is required for you to enter into an agreement with us.
Data related to education and employment: We also process your data to administer your account with the Bank. Identity verification: Personal data is also required as part of regulatory protection against financial crime, including the Know Your Customer (“KYC”) process mandated for opening an account. For our electronic services, we require at least two forms of evidence to verify your identity, which may include your registered mobile phone number, registered email address, facial recognition, fingerprints, registration of your voice and a video call. Financial information: Your financial information, such as credit applications and reports, business license number and investment details, may also be required for processing during the account opening process. |
| Administer your account | Administer your account with the bank: We process your data for the sole purpose of administering your account with the bank. |
| Refuse integration | If your application is refused, we will store your personal information in accordance with our record retention procedures and to comply with our legal obligations. |
| General correspondence | Information you provide to us by completing one of our forms or by communicating with us, whether face to face, by telephone, by email, online or otherwise. |
| Marketing | The Bank may process your data for marketing purposes in order to provide you with relevant information on products and services that may be of interest to you. You will always have the option to withdraw your consent at any time. |
We collect information about your Internet activity using a technology known as cookies, which can often be controlled through Internet browsers and by using our Cookie Preference Center on our website.
You must keep your personal data up to date – please inform us promptly of any changes, for example if you have a new address.
We automatically collect the following when you use our website or apps:
- Technical information, such as your IP address and device ID.
- Information about your visit, , such as your URL and your interaction with the website.
- Location data, with your approval, used to show you the location of the nearest branch or ATM based on your address IP, your contact details or a unique device code.
- Networks and connections, when you interact with us and with the people and groups you are connected to (for example, through social media).
HOW DO WE USE YOUR PERSONAL DATA?
The Bank undertakes to collect the data used by lawful and transparent means and, where appropriate, we will request the express consent of the data subject. We may use the categories of personal data explained in the previous section as follows:
IS IT OBLIGATORY OR VOLUNTARY FOR ME TO PROVIDE MY PERSONAL DATA?
We need your personal data to provide you with the services or products you request. We must also obtain expressed consent to be able to process personal data in order to fulfill our contractual and legal obligations. If you do not provide us with the requested personal data and do not consent to our processing methods, we may have to refuse your request for our services, or if we are already providing you with the product(s) and service(s) or , we may suspend or stop providing you with the product(s) or service(s), which may result in the closure of one or more accounts, subject to compliance with our legal retention obligations. data.
| How we use your personal data | Legal basis |
|---|---|
| To create your bank account. To identify you when you log into your account. To provide our services to you and respond to your requests for certain products and services. | Consent |
| To understand how you use and interact with our services and the people or things you are connected to and interested in. To administer and improve the design and functionality of our channels for a better customer experience. Carry out profiling and automated decision-making to help us provide you with relevant product information, suggestions and recommendations. | Consent |
| To notify you about important updates and changes to our channels, including our Privacy Notice and other policies and terms. | Consent |
| We use your biometric data for online identity verification. | Consent |
| To help you register and find local events or deals in your area. | Consent |
We need your personal data to provide you with the services or products you request. We must also obtain expressed consent to be able to process personal data in order to fulfill our contractual and legal obligations. If you do not provide us with the requested personal data and do not consent to our processing methods, we may have to refuse your request for our services, or if we are already providing you with the product(s) and service(s) or , we may suspend or stop providing you with the product(s) or service(s), which may result in the closure of one or more accounts, subject to compliance with our legal retention obligations. data.
HOW DO WE PROTECT YOUR PERSONAL DATA?
The security and confidentiality of your personal data are important to us!
We use a range of measures to ensure the security of your personal data and protect it against unlawful processing and analysis, unauthorized access, accidental loss, destruction and damage. When we use external service providers, we ask them to provide the same data protection standards as us.
The Bank deploys a wide range of security measures to ensure the security, confidentiality and integrity of your data. This includes, but is not limited to, the following:
Children's data
Protecting the safety of children when using the Internet is important to us. Our websites and applications are intended for use only by persons who are at least 18 years old. If you are under 18 years of age, your parent or guardian must consent on your behalf when we request consent regarding the use of your information.
What happens in the event of a personal data breach?
Although we take steps to secure your personal data, data security risks exist and there is always a possibility of unauthorized use, disclosure, modification and/or destruction of your personal data.
In the event of a personal data breach, we will notify you of the breach, the likely consequences, the steps we are taking to mitigate the increased risk, and the means available to you to mitigate the risk resulting from the personal data breach.
To report personal data breaches or for further information on how we respond to and handle personal data breaches, please contact us atThis email address is being protected from spambots. You need JavaScript enabled to view it. .
We use a range of measures to ensure the security of your personal data and protect it against unlawful processing and analysis, unauthorized access, accidental loss, destruction and damage. When we use external service providers, we ask them to provide the same data protection standards as us.
The Bank deploys a wide range of security measures to ensure the security, confidentiality and integrity of your data. This includes, but is not limited to, the following:
- Asset security
- Application security
- Access controls
- Internet Security
- Communications Security
- Physical security
- Organizational security
Please contact our customer support at 229 95429696 if you receive fraudulent emails or need assistance using our online banking services.
Children's data
Protecting the safety of children when using the Internet is important to us. Our websites and applications are intended for use only by persons who are at least 18 years old. If you are under 18 years of age, your parent or guardian must consent on your behalf when we request consent regarding the use of your information.
What happens in the event of a personal data breach?
Although we take steps to secure your personal data, data security risks exist and there is always a possibility of unauthorized use, disclosure, modification and/or destruction of your personal data.
In the event of a personal data breach, we will notify you of the breach, the likely consequences, the steps we are taking to mitigate the increased risk, and the means available to you to mitigate the risk resulting from the personal data breach.
To report personal data breaches or for further information on how we respond to and handle personal data breaches, please contact us at
Your rights
Your choices and rights
In certain circumstances you have the:
In certain circumstances you have the:
- Right of access: request a copy of the personal data we hold about you and obtain information about how we process it; ask us to provide you (or a third party chosen by you) with an electronic copy of the personal data you have provided to us;
- Right of rectification: ask us to correct the personal data we hold;
- Right to restrict: ask us to restrict how we use your personal data;
- Right to erasure: ask us to delete your personal data;
Please note that withdrawal of your consent will not affect the validity of data processing based on prior consent. Your withdrawal of consent will take effect within 30 calendar days from the day you make your request to us.
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