Privacy Policy

Your data privacy is of the highest importance to us. We are committed to providing high standards of privacy, security, and protection for the data collected about you or provided by you. This Privacy Policy explains our privacy commitment, how we comply with privacy requirements, and how we manage, process, protect, store, use, share, or disclose your data for its intended purposes.

This Privacy Policy also explains CAC Bank privacy practices on the Bank website, electronic services, and other services provided by the Bank. It also describes our privacy practices toward customers who use our services and products.

The term "Data" used in this Policy means all your personal data, financial data, and any other data collected about you.

The term "We" used in this Policy, or when we refer to ourselves, means "CAC Bank".

The term "Cookies" means files used by websites you visit to store information about you on your computer, mobile phone, or any other device you use when visiting a website. Cookies send information back to the website each time you revisit it.

Implied Consent

Your use of this website constitutes your consent to comply with our terms and conditions and this Privacy Policy. The Bank reserves the right to amend these terms and conditions and the Privacy Policy in line with new technologies, our business practices, and the needs of our customers. This website is provided for information purposes only.

Data We Collect

CAC Bank collects your data in accordance with applicable laws and regulations. The data collected about you, or provided by you, depends on the type of services and products you request or use.

We collect your data from multiple sources, including but not limited to:

• Your communications with us.
• Contacting us.
• Visiting any of our branches.
• Asking about our services or products.
• Conducting any banking transaction with us.
• Visiting our website.
• Using our electronic services such as ATMs and points of sale.
• Using our online banking applications, such as CAC Banki.
• Through social media channels.
• Through third parties.
• Other available means and public sources.

The data collected about you or provided by you may include:

• Personal data: Data you provide when completing application forms for our services and products, or through direct communication with our branches, by phone, email, or online. This may include your name, address, date of birth, email address, telephone number, identification card information, and similar information.
• Financial data: Data related to your account, financial records and transactions, account balances, and payment history. The Bank keeps records whenever you carry out a transaction on any of your accounts, including ATM or card transactions, transactions performed through electronic banking or CAC Banki mobile banking, and transactions carried out at Bank branches. Transaction information may include your account number, date, amount, transaction location, and any other relevant information.
• Data obtained when using the internet: We collect data about your device or phone when you visit our website or use our electronic services, such as your address, operating system, browser type, how you use and navigate the website, and location data. This is statistical data about user browsing actions and patterns and is used to track and analyze website usage. This information helps the Bank better understand how its websites are used and improve the website. No part of this information is used to identify website visitors.
• Other data: Data collected from third parties to help detect and combat electronic and financial fraud, money laundering, terrorism financing, and other related risks.

How We Use Your Data

We use your data for purposes related to our services and products, including the following:

• Facilitating and completing your banking transactions.
• Providing you with the best banking products and services.
• Facilitating your online banking operations through our electronic services, including internet banking and mobile banking applications such as CAC Banki.
• Improving and updating the quality of our services and products.
• Understanding your financial needs.
• Updating our records.
• Responding to court orders or applicable laws.
• Informing you about other products and services that may be relevant to you.
• Managing risk.
• Using the data for other purposes permitted by applicable laws.

Data Sharing

We may share your data within the limits permitted by applicable laws and regulations. CAC Bank may share your information, in accordance with relevant laws and legislation, with competent parties such as regulatory authorities and external auditors. Bank employees are required to maintain confidentiality requirements.

Cookies

The Bank does not use cookies for visitors to the Bank public website. However, the Bank may use cookies for customers who log in to electronic banking services in order to personalize the internet banking experience and make access more convenient. Cookies created when logging in to the internet banking portal expire after logout or after a predefined period. The Bank does not store any sensitive information, such as customer information, in cookies in order to protect customer privacy.

Protecting Your Data

With respect to information security, the Bank takes appropriate measures to keep customer personal information in its possession secure and protected from loss, misuse, alteration, disclosure, or unauthorized access. The Bank applies strict information security and technology controls to prevent fraud and unauthorized access to systems, and regularly updates its protection procedures and controls.

Copyright and Trademark Information

The trademarks, trade names, and service marks of CAC Bank used on this website or any other websites are the property of CAC Bank. No person is authorized to use any mark in any manner, and materials displayed on the CAC Bank website may not be transferred, published, copied, modified, displayed, or used without authorization.

Third Parties

CAC Bank may provide links on its website to other providers and/or third parties. These links are provided to give you the opportunity to benefit from their products or services. CAC Bank is not responsible for how third parties collect or use personally identifiable information about you. We recommend that you review the privacy policy of each linked website you visit separately.

Your Responsibility

You are fully responsible for the accuracy and currency of the data you provide to us, and you should inform us of any changes to your data as soon as possible.

Changes to the Privacy Policy

We may update or amend this Privacy Policy from time to time. The updated policy will be published on the Bank website. Your continued use of our website or services after publication of the updated policy constitutes acceptance of those amendments.

Contact Us

If you have any questions about this Privacy Policy or how your data is handled, you may contact CAC Bank through the official communication channels published by the Bank.