Terms of Service

Terms of Use
1. General
1.1. This agreement governs your use of the Access Bank Ghana Plc information service (the “Service”), including Discussion Areas, which is operated by Access Bank Ghana Plc,(“Access Bank Ghana Plc”). Additional terms and conditions of use applicable to specific areas of the Service may also be posted in such areas and, together with this agreement, govern your use of those areas. This agreement, together with any such additional term and conditions, are referred to as this “Agreement.”

1.2. Access Bank Ghana Plc reserves the right, in its discretion, to change or modify all or any part of this Agreement at any time, effective immediately upon notice published on the Service. Your continued use of the Service constitutes your binding acceptance of these terms and conditions, including any changes or modifications made by Access Bank Ghana Plc as permitted above. If at any time the terms and conditions of this Agreement are no longer acceptable to you, you should immediately cease all use of the Service.
2. Use of Content
2.1. You acknowledge that the Service contains information, software, photographs, audio and video clips, graphics, links and other material (collectively, the “Content”) that are protected by copyright, trademark or other proprietary rights of Access Bank Ghana Plc or third parties. All Content on the Service is copyrighted as a collective work of Access Bank Ghana Plc pursuant to applicable copyright law. You agree to comply with any additional copyright notices, information, or restrictions contained in any Content available on or accessed through the Service. Users of the Service may use the Content only for their personal, noncommercial use.

2.2. You may not modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part, except as expressly permitted in this Agreement. Content consisting of downloadable software may not be reverse engineered unless specifically authorized by the owner of the software’s patent and/or copyright. You may post on the Service any Content owned by you (such as your original statements), Content for which you have received express permission from the owner and Content in the public domain. You assume all risk and responsibility for determining whether any Content is in the public domain. You grant to Access Bank Ghana Plc the right to edit, copy, publish, distribute, translate and otherwise use in any medium any Content that you place on the Service without compensation to you. You represent and warrant that you are authorized to grant all rights set forth in the preceding sentence.

2.3. You may download or copy the Content only for your own personal noncommercial use, provided that you maintain all copyright and other notices contained in such Content. You shall not store electronically any significant portion of any Content. Except as expressly permitted by the copyright laws, no copying, storage, redistribution or publication of any Content is permitted without the express permission of Access Bank Plc or the owners of such Content or their authorized persons, if other than Access Bank Ghana Plc. You may download from the Service any Content in the public domain for your own personal use or for non-commercial redistribution.

3. No Endorsement
3.1. Access Bank Ghana Plc does not represent or endorse the accuracy or reliability of any Content posted on any Interactive Area and you acknowledge that any reliance upon such Content shall be at your sole risk. Any Content placed on any Interactive Area by users represents the views of the user posting the statement, and does not represent the views of Access Bank Ghana Plc.

3.2. The Service may contain links to sites on the Internet which are owned and operated by third parties (the “External Sites”). You acknowledge that Access Bank Ghana Plc is not responsible for the availability of, or the content located on or through, any External Site. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.

4. Indemnity
You agree to indemnify, defend and hold Access Bank Ghana Plc and its affiliates, and their respective officers, directors, owners, agents, information providers and licensors (collectively, the “Access Bank Ghana Plc Parties”) harmless from and against any and all claims, liability, losses, costs and expenses (including attorneys’ fees) incurred by any Access Bank Ghana Plc Party in connection with any use or alleged use of the Service under your password by any person, whether or not authorized by you. Access Bank Ghana Plc reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with Access Bank Ghana Plc’s defense of such claim.

5. Disclaimer of Warranties; Limitation of Liability.
5.1. Neither Access Bank Ghana Plc nor any provider of third party content or their respective agents warrants that the service will be uninterrupted or error free; nor does Access Bank Ghana Plc, any third party content provider, or their respective agents make any warranty as to the results to be obtained from use of the service or the content. The service and the content are distributed on an “As is, as available” basis. None of Access Bank Ghana Plc, third party content providers and their respective agents make any warranties of any kind, either express or implied, including, without limitation, warranties of title or implied warranties of merchantability or fitness for a particular purpose, with respect to the service, any content or any products or services sold through the service. Neither Access Bank Ghana Plc nor any third party content provider warrants that any files available for downloading through the service will be free of viruses or similar contamination or destructive features. You expressly agree that the entire risk as to the quality and performance of the service and the accuracy or completeness of the content is assumed solely by you.

5.2. Neither Access Bank Ghana Plc, any third party content provider nor their respective agents shall be liable for any direct, indirect, incidental, special or consequential damages arising out of the use of or inability to use the service, even if such party has been advised of the possibility of such damages.

Privacy Policy

Introduction Access Bank (Ghana) Plc respects your privacy and is committed to protecting your personal data. This Privacy Policy seeks to provide you with information about how Access Bank (Ghana) Plc processes your personal information (including the collection, usage, storage, retention, and security of your Personal Data). Access Bank (Ghana) Plc will only process your information where the Bank has received the information directly from you as a data controller or by our clients where we are processors in accordance with their instructions and in line with the Bank’s obligations and your rights under the Data Protection Act, 2012- (Act 843) and other Jurisdictional Data Protection laws that are applicable. Please read this Privacy Policy carefully to understand our views and practices regarding your personal data and how we will treat it. This Privacy Policy shall be amended or updated from time to time to reflect changes in our practices with respect to the processing of personal data, or changes in applicable data protection regulations. The Personal Data we collect. We currently collect and process personal information directly from you or from third parties we engage in our normal course of business. This includes the following:

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, passport pictures 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 proliferation of weapons for mass destruction which may be necessary to enable us comply with 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.

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, and access management.
6. To study how our customers use our products and services, testing new products and managing our brand.
7. For direct marketing of products and services that we think may be of interest to you, our client or prospective client.
8. 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.
9. 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).
10. Allowing access to our website and other banking platforms.
11. Conduct background checks and maintenance of employee database.

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 and our Data Subjects.
5. To satisfy a public interest
6. Prior consent has been obtained from data subjects for the use and processing of personal data.

Information we share We may share information with other people for any of the reasons provided above. The category of persons who may be entitled to this information may include:

1. Any employee of Access Bank (Ghana) Plc who may need the information to administer a contract or service we are providing to you.
2. Auditors, third-party service providers (local and foreign), agents or independent contractors who assist 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.

Information from cookies and other technologies Cookies are pieces of information that our website and applications transfer to your computer to enable our systems to recognize your browser and tailor the information on our website to your interests. Access Bank (Ghana) Plc and our service providers may use cookies to collect information about you so we can provide the experiences you request, recognize your visit, track your interactions, and improve experience with all customers. Cookies may also be used on our platforms to retain information on the last activities of the user. This information continues to be accessible by the user the next time he/she visits the website. The web browser quickly uses it to remember the last activity of the user on the website and allows him/her to continue from there without reloading the entire website at every visit. This helps greatly to boost the user’s experience on the website in terms of the website’s speed over the browser. The cookies are not stored in a permanent storage, like a database, and so are deleted once the browsers are closed, or can be singled out for deletion by clearing out the browser’s data. How long we keep your information Access Bank (Ghana) Plc shall keep your information for as long as it is necessary and relevant to the purposes set out in this Privacy Policy unless a longer retention period is required or permitted by law. When we have no ongoing legitimate business need to process your personal information, we may either delete or anonymize such information, or if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your information and isolate it from further processing. How we keep your information secure We have put in place appropriate technical, organizational, and physical security measures to prevent your Personal Data from being lost, altered, used, or accessed in an unauthorized way. In addition, the Bank limits access to your Personal Data to only employees, agents, contractors and other third parties who have a business need to know. They will only process your Personal Data on our instructions and are subject to a duty of confidentiality. Access Bank (Ghana) Plc is compliant with and certified by Data Protection and Information Security Regulations and Requirements. This includes:

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

Rights as a Data Subject You are entitled to your rights as enshrined in the Data Protection Act, 2012- (Act 843). These rights include:

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

How to contact us If you have any questions about this Privacy Policy, our privacy practices, the data we hold on you, or would like to exercise any of your rights to your Personal Data, please do not hesitate to email us at GhanaDataPrivacy@accessbankplc.com. Changes to this Privacy Policy We may modify or update our Privacy Policy from time to time and ask that you regularly check this website to make sure you are familiar with the most recent versions. By enrolling for our services or entering into any contractual arrangements with us, you confirm that you have read, understood, and accepted to be bound by the terms and conditions of this Privacy Policy.