Privacy 
Policy

1. Personal details such as name, date of birth, family details, gender, ID details, Tax Identification Number (TIN), Social Security Number (SSN), contact information, online identifiers, and any other similar information.
2. Biometric information comprising of your fingerprints and facial recognition.
3. Location and contact data such as postal address, residential address, digital address, email address and telephone numbers.
4. Financial data such as bank account details, card payment details and other electronic or non-electronic payment details.
5. Transaction data such as details about payments to and from you and other details of products and services you have acquired from us.
6. Online identifiers such as internet protocol (IP) address, your login identity data, browser type and version, and information about how you use our website, products, and services.
7. Information for regulatory compliance and monitoring purposes such as nationality, country of residence, source of funds, details of the origin of your wealth and other documents required for anti-money laundering, combatting the financing of terrorism, and the proliferation of weapons for mass destruction related checks which may be necessary to enable us to establish and meet applicable regulatory reporting requirements.
8. Voice and Video recordings including CCTV footage.
9. The Bank may also obtain your personal data from third parties depending on the products and services we provide to you. This will include trade or transaction counterparts, credit reference agencies, public registers (such as beneficial ownership registers), financial crime screening databases, fraud prevention agencies, and persons or entities instructed by you to provide us with your personal data.

3. What we use your Personal Data For
Access Bank (Ghana) Plc will always process your personal data for a specific purpose and process only the personal data relevant to achieving that purpose. Depending on our relationship with you and the products and services that we provide to you, we may process your personal data for the following compatible purposes:

1. Account opening
2. Providing products and services including identity verification, transaction processing, cards issuance and keeping adequate records.
3. For communication purposes through various mediums such as in person, via phone, SMS, email, and managing any customer complaints.
4. Managing our customer and related parties’ relationships including compiling internal reports, managing clients’ files, and conducting risk assessments.
5. Carrying out operational and administrative functions including the processing of payments, staff, and access management.
6. To study how our customers use our products and services; Communication about our products and services; test of new products and manage our brand.
7. When you visit our branches, we use CCTV cameras for security reasons and record keeping purposes.
8. For direct marketing of products and services that we think may be of interest to you, our client or prospective client.
9. To meet the Bank`s regulatory obligations. This includes compliance checks, transactions monitoring and reporting, making disclosures to, and complying with requests from public authorities, regulators, tax authorities, governmental bodies, or law enforcement agencies, investigating and preventing fraud.
10. To administer and protect our business and our website, ensure business continuity, manage complaints, undertake remediation activities, and resolve queries (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data).
11. Allowing access to our website and other banking platforms.
12. Conduct background checks and maintenance of employee database.

4. Basis for Processing Information
We shall process your information on the following basis:

1. To enter and perform our contractual obligations.
2. To comply with our legal obligations
3. For the performance of a statutory duty
4. For the legitimate interest of Access Bank (Ghana) Plc.
5. To satisfy a public interest
6. Prior consent has been obtained from data subjects for the use and processing of personal data.

1. Any employee of Access Bank (Ghana) Plc who may need the information in the course of their work to administer a contract or service we are providing to you.
2. Auditors, third-party service providers (local and foreign), agents or independent contractors assisting the Bank to provide customers with a product or service.
3. Third parties with accruing legal obligations e.g., trustees and executors, guarantors, anyone holding a power of attorney to operate an account on your behalf and joint account holders.
4. Correspondent Banks, Counterparties and Collaborators to process a transaction or service.
5. A merchant or a member of a card association where the disclosure is in connection with usage of a card (including Debit card, Credit card and Prepaid Cards).
6. Any person authorized to operate your account and to act on your behalf in giving instructions.
7. Any person to whom disclosure is permitted or required by local or foreign law.
8. Any court of competent jurisdiction, regulator, law enforcement agency, tax authority, or an authority investigating an offence or their agents.
9. Any debt collection agency, credit bureau or credit reference agency.
10. Money laundering and Terrorism financing related checks, for fraud prevention and detection.

1. Data Protection Certification by the Data Protection Commission of Ghana
2. ISO 27001:2013 Certification
3. PCI DSS Certification
4. ISO22301:2019 Certification

1. Right to be informed
2. Right of access to personal data
3. Right to give and withdraw consent.
4. Right to amend (rectification)
5. Right to blocking, erasure and destruction.
6. Right to erasure and destruction
7. Right to destruction
8. Right to prevent processing
9. Freedom from automated decision-making.
10. Freedom from processing for direct marketing
11. Right to complain