Customer Privacy Policy


1. INTRODUCTION

We at FDH Bank Plc (the 'FDH Bank Plc' herein after) respect the privacy of our users and customers. This Privacy statement explains how we collect, use, disclose, and safeguard your information when you use our digital platforms and our mobile applications. We urge you to read this privacy statement carefully before using any of our digital products.

The FDH Bank Plc reserves the right to make changes to this Privacy Statement at any time and for any reason. We will alert you our users and customers about any changes by updating the date of this Privacy statement. As users, you are encouraged to periodically read this statement to stay informed of any updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised privacy statement by your continued use of our digital products.

2. DATA COLLECTION

Through your use of our digital products, we may collect the following information about you:

a. Personal Data

Personally identifiable information, such as your full name, postal address, email address, and telephone number, age, citizenship, occupation, gender, marital status, residential area or village, and passport or national ID numbers . You are under no obligation to provide us with personal information of any kind, however your refusal to do so may prevent or limit you from using our platforms.

b. Technical Data

This is information our servers automatically collect when you access our products, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing our products. This information may also include your device name and type, your phone number, your device properties including storage, your country, your likes and replies to a post, and other interactions with the application. We may also collect your information from the person to whom you are sending or receiving money, our money transfer agents in all our outlets, our partners and law enforcement agencies.

c. Data From Social Networks

We may collect user information from social networking sites, such as Facebook, Instagram, Pinterest, including your name, your social network username, location, gender, birth date, email address, profile picture, and public data for contacts, if you connect your account to such social networks.

d. Mobile Phone Data

Device information, such as your mobile device ID, model, and manufacturer, and information about the location of your device, if you access our application from a mobile phone.

3. USE OF YOUR INFORMATION

Having accurate information about you permits us to identify our users and to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you to:

4. DISCLOSURE OF YOUR INFORMATION

We may share information we have collected about you in certain situations as follows:

a) In Compliance with a Legal obligation or to Protect Rights

If we believe the release of information about you is necessary to respond to a legal process, to investigate or remedy potential violations of any of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, directive, or regulation. This includes exchanging information with other entities for money laundering, terrorist financing and fraud prevention.

b) Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations. If you no longer wish to receive correspondence, emails or other communications from any third parties, you are responsible for contacting those third parties directly.

c) Marketing Communications

With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law. We may also use third-party advertising companies to serve adverts when you use our application. These companies may use information about your usage of our application and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you our customers.

d) Affiliates

We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Statement. Affiliates include our parent company FDH Financial Holdings and any sister companies other companies that we control or are under common control with us.

e) Business Partners

The FDH Bank Plc may share your information with our business partners to offer you certain products, services or promotions.

f) Mergers, Requisitions or Bankruptcy

If we reorganize or sell all or a portion of our company, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party. You acknowledge that such transfers may occur

5. TRACKING TECHNOLOGIES

We may use cookies, web beacons and other tracking technologies on our mobile application to help customize the application and improve your experience.

6. THIRD-PARTY WEBSITES

Through the use of our application you may come across links to third-party websites and applications of interest, including advertisements and external services that are not affiliated with us. Once you have used these links to leave our application, any information you provide to these third parties is not covered by the FDH Bank Plc's privacy statement, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of that third party and should take the steps necessary to protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of other sites, services or applications that may be linked to our application.

7. SECURITY OF YOUR INFORMATION

The FDH Bank Plc has implemented administrative, technical, and organizational security measures to help protect your personal data against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access and against all other unlawful forms of processing. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Please contact the FDH immediately you suspect that your personal information shared with the FDH Bank Plc has been compromised or at risk.

8. POLICY FOR CHILDREN

We do not knowingly solicit information from or market to any person under the age of 18.

9. OPTIONS REGARDING YOUR INFORMATION

You may at any time review or change the information in your account or terminate your account by contacting the FDH Bank Plc using the contact information provided below. Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements. The Malawi Electronic Transactions and Cyber Security Act grants you the following rights as our data subject:

10. CONTACT US

If you have questions or comments about this Privacy Statement, please contact the FDH Bank Plc at:
FDH Bank Plc
First Floor Umoyo Building,
No. 8 Victoria Avenue North,
Blantyre Malawi.
Post code: 312200
Toll free number: 525
Phone: +265(0) 999 970 016 or 820 219
Email:  fdh@fdh.co.mw