Privacy Statement
African Investment
Bank S.A., (we) treat the personal information we collect through this website,
associated websites, mobile sites, mobile applications and other channels as
private and confidential.
Collection:
We collect
personal information directly from you, and where lawful and reasonable, we may
collect personal information about you from third parties and publicly
available sources, such as credit reporting and government agencies for the
purposes set out below.
We use your personal information to:
- Meet our responsibilities to you;
- 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);
- Parry 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);
- Tell you about services and products available within the Bank;
- 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.
Your consent:
We will
process your personal information if you give us your consent willingly or in
accordance with the law. You give your consent to us through our products and
services agreements.
We will only disclose your personal
information if:
- The law requires it; ·
- We have a public duty to disclose the information;
- Our or your legitimate interests require disclosure; or
- You agreed that we may disclose your information.
Third parties:
We ask
third-party service providers to agree to our privacy policies if they need
access to any personal information to carry out their services.
We will not
disclose your personal information to external organizations that are not our
service providers, unless you gave us your consent, or unless we may do so by
law, or if it is necessary for the conclusion or performance of our agreement
with you.
Transfer across borders:
Sometimes we
will process your personal information in other countries, either to carry out
your instructions or for ordinary business purposes. These countries may not
have the same level of protection. If necessary, we will ask the party to whom
we transfer your personal information to agree to our privacy principles,
associated policies and practices.
Storing personal information:
We store
personal information as required by law.
Our security practices:
Our security
systems are designed to prevent loss, unauthorized destruction, damage and/or
access to your personal information from unauthorized third parties.
You should
read the security tips and updates on our websites regularly to make sure that
you benefit from our security systems and stay updated with the latest fraud
scams and trends.
Marketing by electronic means:
If you give
us permission, we may use your personal information to tell you about products,
services and special offers from us or other companies that may interest you.
We will do this through email, text message (SMS), social media platforms or
notify you on your mobile applications. If you later decide that you do not
want us to do this, please contact us through our customer service channels to
stop this service.
Access to your personal information:
As our
customer, you may:
·
- Ask us to give you a description of your personal information that we hold; and
- Ask us to correct or update your personal information through our customer service channels.
Our use of technology to follow your use
of our websites:
While you
are using our websites or mobile applications, we automatically process certain
personal information, such as visits to our websites. We use this information
to find out which areas of our websites people visit most and to monitor the
use of our websites. This helps us to add more value to our services. This
information is gathered in such a way that we do not get personal information about
any individual or their online behavior on other websites.
Cookies:
We use
cookie technology on some of our websites. A cookie is small pieces of text
that is saved on your Internet browser when you use our websites. The cookie is
sent to our computer each time you visit our websites. Cookies make it easier
for us to give you a better experience online. You can stop your browser from
accepting cookies, but if you do, some parts of our websites or online services
may not work. We recommend that you allow cookies.
Links to other websites:
Our website,
related websites and mobile applications may have links to or from other
websites. Although we try to link only to websites that also have high privacy
standards, we are not responsible for their security, privacy practices or
content. We recommend that you always read the privacy and security statements
on these websites.
Monitoring of electronic communications:
We
communicate with you through different methods and channels. If allowed by law,
we may record and monitor electronic communications to make sure that they
comply with our legal and regulatory responsibilities and internal policies.
Monitoring and analysis:
We will
monitor and analyze your account for credit, fraud, compliance and other risk-related
purposes as required by law.
Social media:
We operate
and communicate through our designated channels, pages and accounts on some
social media sites to inform, help and engage with our customers. We monitor
and record comments and posts made about us on these channels so that we can
improve our services.
The general
public can access and read any information posted on these sites, where the
pages are open to general public.
There
are certain pages such as private messages, where communication is strictly
limited to us and the person who is communicating with us. To these pages only authorize person may have
access.
We are not responsible for any information posted on those sites other
than the information posted by our designated officials.
We do not endorse the
social media sites themselves, or any information posted on them by third
parties or other users.
We provide
applicable information on investment, tax or other professional information on
social media sites.
You should always get independent advice before making any
decisions.
When you engage
with us through social media your personal information may be processed by the
site owner; this process is outside our control and may be in a country outside
Benin that may have different privacy principles.
Social media
sites are not appropriate forums to discuss our customers' products or
financial arrangements. We will not ask you to share personal, account or
security information on social media sites where general public have access to.
We regularly
update and monitor our social media accounts and welcome feedback and ideas
sent to us through these channels. We try to join conversations whenever
possible but may not reply to all messages sent to official AIB social media
accounts.
Emerging
themes and helpful suggestions will be given to the relevant staff for
consideration, but we cannot guarantee that any themes or suggestions will be
acted on.
Your rights:
We will take
note of your rights under applicable privacy and data protection laws,
especially your right to object, on reasonable grounds, to certain types of
processing.
You have the
right to query a decision that we make about a product or service that you have
applied for and that was made solely by automated means.
Right to change this privacy statement:
We may
change this privacy statement. We will publish all changes on our websites. The
latest version of our privacy statement will replace all earlier versions,
unless it says differently.
Queries and
complaints
If you have
any queries or complaints about privacy, please contact us on;
privacy@aibbenin.be