Privacy Policy

Privacy Policy Information

Introduction

1. When you apply for an account or service from us, you will be asked for personal information and data that is needed to process your application. We will take great care to protect your privacy information.
2. In this policy information we will provide details of how you can also help protect yourself against online fraud. We also set out, as data controller, how we will act in relation to your data and how we will use such data.
3. Web security is very important to us, so we take great care to protect you. Please see below for details of how you can also help to protect yourself against online fraud.

Remember the very important information below by keeping yourself safe online:

• Never give your password to anyone or write it down just memorize it. You can always reset your password if you forget it.
• Use a complex password that will be hard to guess and not to use a password that could be easily guessed by someone else
• Change your password immediately if you suspect someone else could know it and it is also advisable to change your password frequency.
• Remember to log off when you have finished using the online banking and do not use a public computer to access your account.
• Keep your devices updated with current anti-virus software, the latest browser versions and operating systems to avoid any hacking or any potential fraud on your account.
• Don’t send us any confidential account information by email or via social media, always make your request via the online banking.
• Treat emails you receive with caution. Remember that we will never ask you to disclose your personal or account information to us by email, whenever you want to reset your password a link will be sent to your register email to answer some security questions and one time password to your mobile phone in order to gain access to your account.
• Never reveal your password or your pin to any of our team member.

Our system security

Your Online Banking session will time out if you remain inactive for more than 10 minutes. Your Account login will be locked out after multiple failed access attempts.

You will need to contact us to unlock your account. We will verify your identity before disclosing confidential information over the phone or resetting any account details. Despite our best endeavors, we cannot always guarantee the website will be fault free and we don’t accept liability for any errors or omissions that will occurs.

Transport Layer Security (TLS)

Transport Layer Security (TLS) is a commonly used method of managing the security of messages transmitted across the Internet and is used by us to connect your computer to our secure server. You can tell that TLS is in use if our website URL in the search bar starts with https:// and or a lock icon is displayed within your browser. In case you have problems getting to secure mode, install one of the latest browsers and try the website again.

Login Details

When you open an Account with us, you will have a username, password, pin and your date of birth which must be used to access your online banking. Your username, password, pin and date of birth are used by us to identify you.

You are responsible for all information posted on our website by anyone using your login details. Any breach of security of your login details should be notified to us immediately.

Law enforcement and information we get from external sources and the data we may process

When you complete PIB account application, we search your record at:

• Credit reference agencies to verify your identity and check if we can offer you an overdraft at any time and manage business risk. If you take out a loan or turn on your overdraft for the first time, we do a full search which may impact your credit score.
• Fraud prevention agencies and KYC (Know Your Customer) and AML (Anti Money Laundering) service providers to fulfill our legal duties.
• Check your record at immigration
• Before we provide services or financing to you, we undertake checks for the purposes of preventing fraud and money laundering. These checks require us to process personal data about you as part of your application request.
• The personal information you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering, and to verify your identity.
• The data that we may process includes your Internet Protocol (IP) address, geographical location, login and browser details, operating system, information accessed and loaded, time spent and pages visited technical information about your computer or mobile device.
• Data in respect of the use and operation of your PIB account. This data may include your account name, your name, email address,
• .account number, profile pictures, gender, date of birth, relationship status, financial history, education details and employment details.
• Your contact details, your card details and the transaction history details.
• Imagery, such as photo identification or photographs that you have provided to us during your application request.
• Any documents sent to you by us, such as passport copies, ID copies and proof of address documents

• Keep records of information we hold about you in line with legal requirements

• Adhere to banking laws and regulations. These mean we sometimes need to share customer details with regulators, tax authorities, law enforcement, the police, courts or dispute resolution bodies if we have to or other third parties where necessary to meet our legal obligations.
• To compare information we hold about your account with your tax residency information to make sure we have accurate information about you.

Your rights

You have a right:

• To access the personal data we hold about you, or to get a copy of it
• To make us correct inaccurate data
• To ask us to delete, ‘block’ or suppress your data, though for legal reasons we might not always be able to do it
• To say no to us using your data for direct marketing and in certain other ‘legitimate interest’ circumstances
• To withdraw any consent you’ve given us

How to make a complaint / Data protection officer

You can contact us to exercise any of your rights in relation to the processing of your data and on any matters that are covered by this policy generally and we will do our best to fix the problem. You can also reach our Data Protection Officer at [email protected]

 Amendments / Policy Update

We may update this policy from time to time by publishing a new version on our website. We may notify you of changes to this policy through the Online Banking site on our website.