Privacy Policy

Barclays Africa Group Bank Limited – Privacy Notice

We are committed to your privacy and security

  • Barclays Africa Group Bank Limited, registration number 1986/004794/06 ("we/us/our"), realises that you, our customer, expect a high level of privacy and security for the personal and private information ("customer information") that you share with us. We are strongly committed to protecting the customer information you submit to us via the website ("the/this website") and to treat this information securely and responsibly. We appreciate your rights as an individual regarding your personal information and will not act in a manner that will have a negative impact on your financial well-being.
    By visiting this website and supplying your information to us, you are accepting the practices described within this privacy notice.

Purpose of the privacy and security policy

  • You must read the privacy and security policy (“the policy”) with our terms of use that is incorporated in the policy. The policy outlines our practices and commitment to you with regard to customer information and is designed to:
    • inform you of the types of information we collect from you;
    • how we use that information; and
    • the circumstances under which we will share it with third parties.

Consent to the collection and use of customer information

  • The type of customer information we will ask you to provide will vary according to the product or services required. It is always your choice whether or not to provide us with certain customer information via the website. Note, however, that in financial dealings, the withholding of certain information may limit the services we are able to offer you.
    We will not collect or use customer information without your consent. In instances where we purchase information from information providers, we will ensure that the third party has obtained valid consent before concluding the purchase. Third parties chosen by any of our members undergo strict control processes to ensure that the customer information is handled securely.
PLEASE NOTE: We will never sell customer information to any other external party. Where customer information is provided for marketing services, it is only done with your consent as described above.

In respect of all marketing activities related to our services or products, we will get your consent to collect or use your information. If you choose not to consent, then consent will be implied. For example, if you have the choice to opt out of a specific form of information sharing but choose not to do so, it will imply that you choose to share this information.

What customer information is collected?

  • Customer information in general refers to personal information that identifies or relates to an online visitor or customer, whether they are an individual or a business.
    Information requirements vary, depending on our products and services which you subscribe to. This information includes but is not limited to details such as name, age, ID numbers, registration numbers, addresses and other contact details, liabilities, income, payment records, financial information and banking details such as account numbers.

Why do we collect customer information?

  • We use customer information to identify you and to offer a better online service. Customer information is also necessary to enable us to contact you in the event of any query. We further use customer information to inform you of our other services and products. The more we know about you, the better we can serve you.

Maintenance of accurate information

  • We have established procedures to ensure that your non-public personal information is, according to reasonable standards, as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us via our contact centres to make the necessary amendments. Some changes will only be made once we have received the necessary supporting documentation. We will take reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

We safeguard your information

  • Keeping your financial information secure is one of our main priorities. Our privacy and security policy governs the behaviour of employees with regard to the accuracy, confidentiality and security of all customer information.

The sharing of customer information

Internal information sharing

  • We are made up of a number of different business units that collect information independently from you. By sharing information about your accounts among different business units, we can serve you more efficiently.

External information sharing

  • Other companies contact us for credit and financial information about you. We will only share customer information if disclosure is made at your request or with your consent. We are, however, obliged to disclosure information relating to regulatory and legal purposes, without consent. The only instances in which we are permitted to disclose customer information without consent is when it is:

Required by law

  • This most often relates to government tax reporting requirements, in terms of a court order, legislation or common law. We will, however, in all instances required by law only disclose the information specifically requested.

Necessary to protect our interests

  • This will not be used as a reason for disclosing information about you or your accounts (including name and address) to anyone else, including our other companies for marketing purposes. However, basic procedures that protect our interests sometimes necessitate the disclosure of specific customer information to third parties, for example returning a cheque due to insufficient funds in an account.

In the public interest

  • Sometimes we are asked to disclose customer information for matters of public interest, e.g. to assist in the prevention of crime. Before complying with these requests, we take every precaution to ensure that the authorities involved have legitimate grounds for making such a request.

Credit reference agencies

  • Information about your personal debt owed to us may be disclosed to credit reference agencies where:
    • You have fallen behind with payments and have not made satisfactory arrangements with us for repayment of the debt following a formal demand; or
    • where you have given us written consent; or
    • where you have a cheque referred to drawer, in which case the information is placed on a cheque verification service.

Information on services or products

  • We may use customer information to send you information on new services or products that may be of interest to you. To this end we will from time to time mail, email or SMS information to you about us and our products or services.
  • Remember, regular non-encrypted emails are not secure. For this reason we will not include confidential account information in an email response. We will further never request you, via an email, to provide us with personal information, such as your account number, PIN or password.

Business units or subsidiaries may have their own privacy policies

  • Our business units or subsidiaries may have their own privacy policies because the nature of the service or products demands a deviation from this policy. These specific policies will apply to you and will exclusively govern your use of the particular service or product.

Right to amend this privacy policy

  • We reserve the right to amend this policy at any time. All amendments will be posted on the website. Unless otherwise stated, the current version will supersede and replace all previous versions of this policy.

Help to protect your information

  • You can also help maintain the security of banking information by:
    • Not sharing your ID or password with anyone
    • Changing your password regularly
    • Remembering to sign off after an online banking session
    • Not leaving your computer unattended while doing online transactions
    • Reporting lost or stolen cards
    • Helping us maintain accurate records by letting us know when your situation changes so we can update our records accordingly
    • Not sending any confidential information via non-encrypted email
    • Not supplying your personal and financial information to any site you don't know or trust