The safekeeping of your personal information is important to Republic Bank (Ghana) PLC (the "Bank") and its subsidiaries, (collectively referred to as the "Group"). The Bank is a subsidiary of Republic Financial Holdings Limited of Trinidad and Tobago. The safekeeping of your personal information applies to all personally identifiable information ("Personal Information") about you that is obtained by the Group. Personal Information as used in this Privacy Statement refers to information such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a city name to help you find a nearby ATM), user name and password and answers to security questions for password recovery purposes. At any time you decide to close your account or become an inactive customer, we will continue to adhere to the procedures described in this statement and any proper opt-out requests you make. This Privacy Statement also serves as our Privacy Notice. This Privacy Statement contains important information about your choices in relation to sharing Personal Information with the Group.
You regard your Personal Information as yours, and so do we. We do not sell or share your information with third parties not associated with the provision of services or activities of the Group or as allowed by law. Further, any sharing of information with third parties requires your consent and are identified under the 'Disclosure of Information' section. Limited information related to your credit history may be shared with credit reference bureaus and/or other credit providers.
This Privacy Statement explains how the Group may collect, share, use, and protect information when you visit or use any digital services offered by the banking and non-banking affiliates and subsidiaries that link to or reference this statement (the "Online Services"). This Privacy Statement covers the Group's websites, online, mobile services, branded social media sites or pages as well as any interactions you may have while viewing content provided through one of the Bank's digital advertising campaigns.
As you review this Privacy Statement, here are a few general principles to keep in mind:
We collect and use various types of information to service your accounts, to save you time and money and better understand your needs. We collect Personal Information about you from the following sources:
When you visit or use our Online Services, we will collect Personal Information from or about you. We may also collect payment card information, when you provide such information while using our Online Services and where we believe it is reasonably necessary for ordinary business purposesWhen you visit or use our Online Services, we will collect Personal Information from or about you. We may also collect payment card information, when you provide such information while using our Online Services and where we believe it is reasonably necessary for ordinary business purposes
Additionally, we may collect certain information about your use of our Online Services. For example, we may capture the IP address of the device you connect to the Online Services with, the type of operating system and browser you use, and information about the site from which you came, web pages of the Group's website that you browse and interact with as well as the parts of our Online Services you access. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our Online Services. In addition, we may later associate the usage and other information we collect online with Personal Information about you.
When you use any of our social media channels we may record and retain information (anonymous or otherwise) about you. This may include your use of our sites and the frequency of your visits. The individual social media platforms may also be permitted to share certain information with the Group in accordance with your personalised privacy settings on those platforms.
Any information you provide or that we record through your use of our social media channels may be shared with other subsidiaries of the Group, and any third parties who are acting on our behalf to enhance your user experience of our social media channels, provide you with customer assistance and/or provide you with information about our products and services. We are always striving to understand our customers better, so we may also record comments and opinions that you make publicly on our social media channels.
By using our social media channels and providing us with, or posting Personal Information to our social media channels, you agree that you accept these terms. If you disagree with any of these terms you should not access our social media channels.
For your convenience, the Group offers you the ability to access some products and services through mobile applications and mobile-optimised websites. When you interact through online and mobile services, information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location and analytical information about how you use your mobile device will be collected.
We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Statement.
We use the information discussed above in a number of ways:
We collect precise or approximate location data of mobile devices of existing and prospective customers to prevent and detect fraud, enhance the use of the mobile application, social media platforms and websites to provide security and to satisfy regulatory requirements. The mobile application collects this data during the registration process (onboarding) when it is running in the foreground (App open and on-screen) or background (App open but not on screen).
We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with:
We may share anonymous or aggregated information with third parties to help deliver products, services, and content that is tailored to the users of our Online Services and for other purposes.
You will see advertisements when you use any of our Online Services. These advertisements may be for our own products or services (including pre-screened offers of credit) or for products and services offered by third parties. The advertisement you see is often determined using the information we or our affiliates, service providers and other companies that we work with have about you, including information about your relationships with us (e.g., types of accounts held, transactional information, location of banking activity). To that end, where permitted by applicable law, we may share with others the information we collect from and about you.
Online behavioural advertising ("OBA") or interest-based advertising refers to the practice of collecting information from a computer or device regarding a visitor's web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, we hope to deliver advertisements that are most likely to be of interest to you using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our Online Services on your computer or device) or your personal profile (e.g., demographic or location information). Certain companies we work with may set cookies and use related tracking technologies throughout our Online Services or in our communications to support these OBA efforts.
The Group may provide links to websites that are owned or operated by other companies ("Third-party Websites"). When you use a link online to visit a third-party website, you will be subject to that website's privacy and security practices, which may differ from ours. You should familiarise yourself with the privacy statement, terms of use and security practices of the linked third-party website before providing any information on that website. The Group does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of any information on such websites.
We maintain physical, electronic, and procedural safeguards to protect the integrity and confidentiality of your information. The Group also limits access to your non-public Personal Information to those employees of the Group who need to know that information in order to provide products and services to you. All our employees are trained to understand and comply with the safeguarding of these information.
Please note that information you send to the Group electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecured channels such as public Wi-Fi connections that do not use authentication (password) and other unverified internet connections to communicate sensitive or confidential information to us. Never quote your full account number, card number, personal identification number (PIN), card verification value (CVV) or any other sensitive banking data on open forums, social media sites and emails, which can be viewed or forwarded without your consent.
Keeping your information up-to-date is very important. You may review or update your information using our Online Services. If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us option on our site, or call or write to us using the contact information listed on your account statements, records, or other account materials. You can also speak to one of our branch representatives, your financial advisor, or your designated account representative.
We may change this Online Privacy Statement at any time in the future. When we do, we will let you know by appropriate means such as by posting the revised statement on this page with a new "Last Updated" date. Any changes to this Online Privacy Statement will become effective immediately it is posted. You agree to revisit this page regularly and your continued access to or use of the website will mean that you agree to the changes.
The information we collect about you depends on how you use our websites and mobile application and may involve the use of "cookies", as explained below.
A cookie is a small text file placed on your computer's hard drive by our web page server and which we can later access. They are frequently used on websites and you can choose if and how your computer accepts them by configuring your preferences and options in your browser.
Cookies are used so that we can improve our websites and learn how to provide a better and more customised service for you. We use cookies for two different purposes:
a. We allocate a cookie to your internet browser if you visit our websites (including if you visit an unsecured area such as one which does not require you to log on to the relevant page). The cookie allows us to:
b. We use certain 'essential' cookies to maintain online security and protect against online fraud in relation to the services on our websites such as:
Even if you say "No" in your browser's settings to cookies on this website we'll continue to use these 'essential' cookies.
If you have provided your Personal Information through the use of our online facilities, such as an online enquiry form or online banking, we would be able to identify you from the information provided, and track your browsing activities on our website from the cookie.
We use cookies to make our online services easier to use and help us to understand how people use our websites. For example, amongst other things they will:
We also use this type of cookie to understand how visitors use our online services and look for ways to improve them. For example, a cookie might tell us that lots of people give up on an application process at a particular step - so we can ensure to make that step easier to use in attempts at subsequent logins.
The terms set herein shall be governed by and construed in accordance with the laws of the Republic of Ghana. Any dispute arising out of or in relation to this Policy Statement shall be settled by the courts of the Republic of Ghana.
This Privacy Statement was last updated: March 28, 2022.
Version 2.0