BANGE BANK CAMEROUN (hereinafter referred to as the "Bank") recognizes the importance of the personal data (hereinafter referred to as "data") of visitors to its websites. We attach great importance to the protection of this data. The Bank, as data controller, assumes responsibility for the collection and processing of your personal data in the course of its activities. This privacy policy applies to the Bank's websites. Its primary purpose is to provide information on the collection, storage, use and any other form of processing of visitors' data by the Bank, as data controller, and on the rights conferred on you by the applicable regulations.
1. Who is concerned?
This notice is specifically intended for individual clients and prospective clients of BANGE BANK CAMEROUN, as well as visitors to the site. It is important to note that this policy may also apply to legal entities, but only in cases where we are required to process the personal data of their employees.
2. From whom may we collect data?
We collect your personal data when you access and/or browse our websites, when you use BANGE BANK CAMEROUN's online banking services or when you submit a comment, complaint, question or request online. In addition, we may obtain information from third parties, such as IT and technology companies and social media platforms.
3. When do we collect your personal data?
We collect your personal data when you fill in a form, answer a questionnaire, contact us or subscribe to one of our products. In order to process your requests, some of this personal data is mandatory: it is identified by an asterisk (* mandatory field) or is indicated by any other equivalent procedure. In the absence of a reply from you, we may be unable to process your request. This is also the case when such data is collected as a condition of subscription to a product or service, or when it is collected for regulatory purposes. We also collect connection data when you browse our sites and use our online services.
4. What types of personal data do we collect?
We collect and use your personal data, i.e. any information that can identify you or enable you to be identified. Depending on the specific product or service we offer and our interactions with you, we collect various forms of personal information about you, which may include:
- Identification data : surname, first name, gender, identity card and passport number, nationality, place and date of birth, photograph, signature
- Contact details : (private or business) postal address, e-mail address, telephone number
- Information about your family situation : marital status, number and age of children, property you own
- Professional information : occupation, employer, place of work, length of service, pay slip
- Educational information : level of education, university or school attended
- Economic and financial information : income, financial and tax situation, RIB/IBAN, etc.
- Bank transaction data : bank details, type of transaction, date, credit card payment, bank transfer, direct debit, amount, wording, credit history, payment incidents, etc.
- Connection data linked to your browsing on our site : IP address, identification and authentication data for your connected areas, logs, cookies, browsing data. See our cookies policy for more details on how we use cookies.
- Data resulting from correspondence and communications between you and us : telephone calls, electronic messages, communications on social networks or any other type of communication, voice, comments, suggestions, discussion by e-mail, chat, chatbot, exchanges on our websites, applications, pages on social networks and your last complaints.
- Data relating to products and services subscribed to : type of product, method of payment, due dates, amounts.
More generally, any information contained in the forms you may fill in, in the documents you may send us or in the information you may provide us in your communications.
5. Use of your personal data
We will only use your personal data if you have consented to such use, or if such use is based on one of the legal grounds provided by law:
- The pre-contractual study or an undertaking to which you and/or we are committed; the performance of a contract
- Compliance with a legal or regulatory obligation
- Prevention of the public interest, such as the prevention or detection of fraud
- The legitimate interests of BANGE BANK CAMEROUN
6. Why do we collect your data?
The Bank only collects and processes data that is necessary for the following purposes:
We may process your data as part of our contractual relationship, for example:
- To identify and communicate with you
- To investigate and manage a complaint you submit in relation to one of our banking products or services
- To consider a request you submit concerning one of our products or services or to settle your debt
- To inform you about our banking products and services in which you have already expressed an interest.
We may process your data if you have previously given your express consent, for example:
- To understand how you use and interact with the content of our websites through the use of cookies
- To improve our services provided through our websites to meet your personal needs and choices
- To improve and measure the effectiveness and reach of our advertisements displayed on third-party websites
- To provide you with personalized services through the use of location data, such as finding the nearest store or ATM in our network, searching for offers and redeeming points.
- To display advertisements about our products, offers and banking services in general
- To send you newsletters if you are not a customer of the Bank.
In all cases, the Bank may process your data in order to comply with the obligations imposed by the applicable legislative and regulatory framework and the supervisory authorities, as well as with the decisions of the authorities or the courts.
7. Cross-border transfers
Given the extensive nature of our banking operations, it is important to note that we process data both within and outside Cameroon. To ensure compliance with applicable regulations, we rely on legal mechanisms to facilitate the legal transfer of data across international borders. It should be mentioned that the countries in which we process data may have different legal frameworks that differ from those of Cameroon and the European Union and potentially offer less protection than the latter. BANGE BANK CAMEROUN guarantees that your personal data will not be transferred to a foreign country or international organization in violation of the Cameroonian Data Protection Regulation, the General Data Protection Regulation and other applicable data protection laws.
8. How long do we keep your personal data?
We will retain your personal data for the period required to comply with applicable laws and regulations or for the period that meets our operational requirements, such as the proper maintenance of accounts, facilitating customer relationship management and responding to legal or regulatory requests. In all cases, your personal data will be kept for as long as is necessary to achieve the intended processing purposes.
9. What are your rights?
You have the following rights regarding the data we hold about you:
We may process your data to achieve our legitimate interests and provided that these do not exceed the rights and freedoms of visitors to our website, such as:
- Right of access : you may request information about the processing of your data (such as categories of data, purposes of processing, etc.).
- Right of rectification : you can ask us to correct or complete your data if it is incomplete or contains inaccuracies.
- Right to deletion : in certain cases, you may request the deletion of all or part of your data (if, for example, the data is no longer required for the purposes for which it was collected, etc.).
- Right to restriction : you may request restriction of the processing of your data, where provided for by law.
- Right to object : you may at any time object to the processing of your data carried out in pursuit of our legitimate interests, as mentioned above.
- Right to transfer : you can ask us to give you or to transfer to a third-party supplier in electronic form certain information that you have provided to us.
10. How do we protect your data?
The Bank implements the organizational and technical measures necessary to guarantee the confidentiality, integrity and availability of information at all times. This includes protection against accidental or unlawful destruction, loss, alteration, disclosure, unauthorized access or any other form of unlawful processing.
Through established procedures, the Bank ensures compliance with the Group's information security framework. It carries out specialized security checks such as penetration tests and vulnerability assessments.
The Bank also provides training and raises staff awareness of security issues. It constantly assesses the high level of information security, and implements additional measures where necessary to address emerging threats and associated risks.
By way of example, the Bank employs a series of security measures to protect its Internet-based services and its entire infrastructure. These measures include specialized, multi-layered security mechanisms, protection against information leakage, access logging, system protection, centralized management of user access according to operational role, and encryption and pseudonymization of information, where appropriate.
However, it is important that you ensure that the equipment (e.g. a personal computer), software and telecommunications equipment you use are properly secured and protected against malicious software (such as viruses). Please be aware that in the absence of appropriate security measures (such as secure browser configuration, up-to-date anti-malware software, avoiding the use of software and equipment from untrustworthy sources, etc.), there is a potential risk that unauthorized third parties will gain access to your data and passwords.