Consolidated Bank Ghana Limited (the “Bank”) respects your privacy and we are committed to keeping your personal information and other data confidential and secure. We advise all visitors and customers to read and understand our privacy policy, and to check it periodically for any updates or revisions.

When you visit this Website, the Bank may collect personal data about you (where you are asked to provide the data). The Bank will, however, only use such personal data for the purposes set forth in this Privacy Policy and the Terms and Conditions of use and the Bank is committed to safeguarding such personal data. This statement sets out the purposes of the Bank’s data processing in respect of this Website.

The Bank may gather and analyze information regarding usage of this Website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.

Purposes of Processing

The Bank collects and processes information about customers and visitors to its Website to conduct its business, to inform and make available products and services that may be of interest to you and for the development of web statistics. The information provided by you can be used to contact you when necessary, e.g. to notify you about functionality changes to the web site and to offer services that you may find helpful (provided you have not opted out of receiving such services).

Sensitive Data/Information

The Bank does not seek to collect sensitive personal information (such as information revealing political opinions, religious beliefs, health or other matters) through this Website. Please note that, by providing the Bank with unsolicited sensitive personal information you consent to our using such personal information as described herein above.

Disclosure of Information

The Bank may disclose information that it has collected from users to affiliates, independent contractors and business partners who may use the information for the purposes outlined above. We may also disclose aggregate, anonymous data based on information collected from users to investors and potential partners. Finally, we may transfer information collected in connection with a sale of our product and services.

Security

The security of your Personal Information is important to us. The Bank takes technical, contractual, administrative, and physical security steps to protect Personal Information that you provide to us. We instruct our employees with access to your Personal Information that it is to be used only in adherence with the principles set forth in this Privacy Policy, the Terms and Conditions of use and the laws applicable to each specific business. We ensure that the protections guaranteed under the the Electronic Transactions Act, 2008 (Act 772) of Ghana to confidential information is adhered to. According any violation of confidential information by users of this will be subject to the legal sanctions that exist under the laws of the Republic of Ghana including the Electronic Transactions Act, 2008 (Act 772) as well as any remedies therein

Retaining Your Information

We will retain Your Information for as long as the Purpose for which we collected it continues. It is then destroyed unless further retention is required to satisfy a legal, regulatory or accounting requirement or to protect our interests.

Third Party Sites

Please note that this Privacy Statement does not extend to any third party websites linked to this Website.

Amendments

The Bank reserves the right to modify this Privacy Policy or any part thereof at any time and from time to time. Please check this statement from time to time for any changes.

This Privacy Policy should be read together with the Terms and Conditions of use and the Disclaimer of the website.

Terms & Conditions

The Terms and Conditions as they appear below govern your access and use of the website (“Site”) of Consolidated Bank Ghana Limited ( the “Bank”). These terms and conditions also govern the content and services offered to you through the Site. By accessing, using, printing, installing, or downloading any material from the Site, you agree to be bound by these Terms and Conditions. These Terms and Conditions are subject to change at any time at our discretion.

By using this Site, you affirm that you have read this Agreement and all related policies and understand, agree to be bound and consent to its Terms and Conditions.

All products and services of the Bank herein provided are subject to the terms and conditions of the applicable agreements governing their use. These terms and conditions are meant to regulate your access to this website and they are to be read together with the applicable Terms and Conditions governing any transaction(s), product(s) and/or service(s) provided in this website.

Use of Material

The contents of the Site, including but not limited to text, artwork, names, logos, trademarks, service marks, software, video, music, sound, photographs, graphics, illustrations and other material ("Material") are protected by the applicable copyright laws. You may only access and use the Site, or any of the information or Materials provided on the Site in a lawful manner. You may not sell or modify the Material or reproduce, display, distribute, or otherwise use the Material in any way for any non private, public or commercial purpose without our written consent.

Use of your Information and Privacy

We may hold and use your information provided by you in the course of accessing the Site for a number of reasons, which may include but not limited to: - Monitoring your access for business purposes such as marketing, product research and development, customer service, prevention of unauthorized use of our systems; providing value added services; improving the content of the Site; Carrying out activities in connection with a legal, governmental or regulatory requirement on the Bank, in connection with legal proceedings; or in respect of crime or fraud prevention, detection or prosecution. We will take all reasonable steps to use or disclose users' personal information only in the manner stated in the Terms and Conditions and the Privacy Policy. Personal information shall refer to all private information about an identifiable individual, such as a user's name, contact details, identity number, and age. Such information may be collected through various means such as feedback forms, forums, emails, etc.

You hereby agree that we may collect, use and store your personal information; we shall not disclose, for commercial gain or otherwise, users' personal information other than as set out in these Terms and Conditions and the Privacy Policy. We may disclose the information to our affiliates or to third parties contracted or employed by us to provide services for or to the Bank, including for example, website hosting and development, financial services, delivery services, and other support services. The third parties require access to users' personal information to perform their functions and not for any other purposes and we will take all reasonable steps to ensure the confidentiality and non-disclosure of your personal information. We may also disclose your personal information to governmental agencies, and other regulatory or self-regulatory bodies if we are required to do so by law or if we believe that such action is necessary to comply with the law or with any legal process; protect and defend the rights, property or safety of the Bank, its affiliates or their customers; prevent or deal with fraud or the abuse, misuse or unauthorized use of the Site; and/or protect the rights, property or safety of members of the public.

You further agree that we may use your personal information to compile profiles for statistical purposes and may freely trade with such profiles and statistical data, provided that the profiles or statistical data cannot be linked to the user by a third party.

You hereby acknowledge that Internet communications and transactions are not 100% secure or error free. In particular, information may not be secure in transit from you to our Site. Where you provide particularly sensitive personal information such as passwords, ID numbers, or other sensitive information on this site, it is your responsibility to safeguard them.

Intellectual Property Rights

The material and content accessible from the Site as well as all trademarks, service marks, and logos displayed in the Site (collectively, “Materials”) is the proprietary information and valuable intellectual property of the Bank or the party that provided the Materials to the Bank. The Bank retains all right, title, and interest in the Materials. Accordingly, the Materials may not be modified, copied, distributed, broadcast, displayed, licensed, transferred, republished, uploaded, posted, sold commercially or transmitted in any way without the prior written consent of the Bank. Neither license, right, title nor intellectual property rights are transferred or granted to you by access to the Site. All content included on the Site, including but not limited to text, graphics, photographs, video and audio clips, streaming data, animation, images, downloadable materials, data compilations and software is the property of the Bank or its content suppliers and is protected by applicable copyright and trademark laws.

The Bank disclaims all liability which may arise from any unauthorized reproduction or use of the contents of the Site.

No Warranties

You expressly agree that use of the Site or any Materials contained therein is at your own and sole risk. The materials and information in the Site, including but not limited to services, products, information, data, text, graphics, links or other items, are provided by the Bank on an "as is" basis. References to material and information contained in the website include such material and information provided by third parties.

We do not make any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement of proprietary or third party rights, merchantability, usefulness, operation, completeness, timeliness, correctness, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of the Site, the material, information and/or functions therein and we expressly disclaim liability for errors and omissions in such materials, information and/or functions. Without derogation of the above and/or the Terms and Conditions of the applicable agreements governing all the products and services of the Bank, reasonable measures will be taken by us to ensure the accuracy and validity of all information relating to transactions and products of the Bank which originate exclusively from the Bank.

Further, We do not warrant or represent that access to the whole or part(s) of this website, the materials, information and/or functions contained therein will be provided uninterrupted, timely, secure or error-free or that any identified defect will be corrected, or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of the Site or any of the materials contained therein is done at your own discretion and risk. If your use of the Site or the Material results in the damage and need for servicing or replacing equipment or data, we shall not be responsible for those costs and you will solely be responsible for any such damages. If the Material is provided by third parties, we shall not be held responsible for any such third party material.

The materials, information and functions provided in the Site shall not under any circumstances be considered or construed as an offer or solicitation to sell, give, issue or as the giving of any advice in respect of any form of investment or other securities, loans, or deposits in any jurisdiction. You shall be responsible to evaluate the quality, adequacy, timeliness and usefulness of all services, content, advice, opinions and other information obtained or accessible through the Site; further you should seek professional and/or legal advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information.

Links to Third Party Sites

We may provide links to Third Party Websites. Such links do not necessarily imply any endorsement, agreement with, or support for, the information on or content of those Third Party Websites. We do not control the information or content on those Third Party Websites and neither we nor our Affiliates makes any warranties in respect of the content of these websites nor will be responsible or liable in any manner whatsoever, for your access, or inability to access, such Third Party Websites, or for any information or content, products or services made available on or through such Third Party Websites, or for any loss, liability or damage which you may suffer as a result of access to a Third Party Website through a link on the Website. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third party websites and access to any such third party sites is entirely at your own risk and subject to any Terms and Conditions and Privacy Policy posted therein.

Limitation of Liability

In no event shall the Bank or its directors, employees, licensors, agents, suppliers or service providers be liable to you or any other third party for any loss or damages howsoever arising whether in tort, contract, negligence or any other basis including but not limited to direct, special, indirect, incidental, consequential, exemplary or punitive damages, damages for loss of profits, revenue, or good will, which may arise from your use or any person’s use, access, misuse or inability to use the Site or any links to third party websites or any of the Materials contained therein, reliance on the information contained in the Site, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, even if we have been advise of the possibility of such damages. Your use of the Web Site is at your own risk. If you are dissatisfied with any of the Materials or other contents of the Site or with these Terms and Conditions or other policies, your sole remedy is to discontinue use of the Site.

Indemnity

You hereby irrevocably agree to defend, indemnify, and hold harmless the Bank, its officers, directors, shareholders, employees, independent contractors and agents, from and against any and all claims, actions, liabilities, costs, or demands, including without limitation legal and accounting fees, for all damages directly, indirectly, and/or consequentially resulting or allegedly resulting from your, or you under another person’s authority including without limitation to governmental agencies, use, misuse, or inability to use the Site or any of the Materials contained therein, or your breach of any of these Terms and Conditions or any intellectual property right or proprietary right infringement claim made by a third party against the Bank in connection with your use of this website. We shall promptly notify you of any such claim, proceeding or suit, and you shall be responsible for its defense at your expense. The Bank may participate in the defense of such claim or defense but is not obligated to do so.

Force Majeure

We shall not be responsible for any failure to perform due to unforeseen circumstances or to causes beyond our reasonable control, including but not limited to: acts of God, such as fire, flood, earthquakes or other natural disasters; war, riot, arson, embargoes, acts of civil or military authority, or terrorism; fiber cuts; strikes, or shortages in transportation, facilities, fuel, energy, labor or materials; failure of the telecommunications or information services infrastructure; hacking, SPAM, or any failure of a computer, server or software, for so long as such event continues to delay the Bank’s Site’s performance.

Severability, Non-Waiver and Entire Agreement

If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in a particular web page, these Terms and Conditions constitute the entire Agreement between you and us with respect to the use of the Site.

Suspension and Termination of access

The Bank reserves the right to terminate and/or suspend your access to the Site and/or your use of the Site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these Terms and Conditions, or violate the rights of the Bank, of any other user, or of any third party.

Governing Law and Jurisdiction

These Terms and Conditions and all matters arising out of or relating to these Terms and Conditions shall be governed by and are to be construed in accordance with the laws of the Republic of Ghana, excluding any conflict of law provisions. By accessing this website and/or using the services provided herein by the Bank, you hereby consent to the exclusive jurisdiction of the Ghanaian courts in all disputes arising out of or relating to the use of this website.

This Terms and Conditions should be read together with the Disclaimer and Privacy Policy of this website

Disclaimer

use of this site and the online services is entirely at your own risk. you assume full responsibility for the risk or loss resulting from your use of this site and your reliance on the material and information contained on it.

Consolidated Bank Ghana Limited ( the “Bank”) and our affiliates, shareholders, agents, consultants or employees are not liable for any damages whatsoever relating to your use of this site or the online services or the information contained on this site or your inability to use this site or the online services. this includes, without limitation, any direct, indirect, special, incidental, consequential or punitive damages, whether arising out of contract, statute, delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage.

without derogating from the generality of the above, the Bank will not be liable for:

• any interruption, malfunction, downtime or other failure of the site or online services, our system, databases or any of its components, for whatever reason;

• any loss or damage arising from your orders, investment decisions, purchases or disposal of goods and services, including financial instrument(s) or currency, from third parties, based on the information provided on this site;

• any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems; programming defects; negligence on our part or caused by the year 2000 computer problem;

• any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities;

• any event over which we have no direct control.

This policy should be read together with the Privacy Policy and the Terms and conditions of this website

 

 

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