Protection of personal data

BANGE BANK BENIN (hereinafter referred to as “the Bank”) attaches paramount importance to the protection of the personal data of its visitors and customers. As the data controller, the Bank undertakes to collect, process, and secure your personal data in accordance with the laws and regulations applicable in the Republic of Benin and with international data protection standards.

This privacy policy applies to all of the Bank’s websites and aims to inform you about:

• The collection and use of your personal data
• The purposes for which your data is processed
• The retention period of your information
• Your rights and how to exercise them
• The security measures implemented to protect your data

Target audience

This policy applies to customers, prospects, and visitors to the BANGE BANK BENIN website. It may also apply to legal entities when the Bank processes the personal data of their employees or representatives.

Sources of data collection

The Bank may collect your personal data in several ways, particularly when you browse our website or use our online services. Your information may also be collected when you submit comments or ask questions. In addition, the Bank may obtain certain data from authorized third-party partners, technology platforms, or social networks, in order to provide an optimal and personalized service.

Time of collection

Your personal data is collected as soon as you interact with our services. This includes filling out forms, subscribing to a service or product, as well as any direct contact with the Bank for a specific request. Furthermore, your information is collected when you use our digital services, whether to log in, browse, or carry out transactions. Some data is essential for processing your requests and is clearly identified as mandatory.

Types of data collected

The Bank collects various categories of personal data in order to provide its services efficiently and securely. This data may include:

• Your identification details (first and last name, date and place of birth, photograph, signature, identity card or passport number, nationality)
• Your contact details (postal address, email address, phone number)
• Information about your family and professional situation (marital status, number of children, profession, employer, length of service)
• Financial and banking information (income, bank accounts, transactions, and payment history)
• Your browsing data (IP address, cookies, logs, connection information, communications via email, phone, social networks, or chat)

Use of your personal data

The Bank uses your personal data only when you have given your consent or when the processing is based on a legal ground as provided for by regulations. Your data may be used for contract performance, compliance with legal obligations, fraud prevention, or to pursue the legitimate interests of the Bank, while ensuring respect for your rights and freedoms.

Purposes of collection

Your personal data is collected and processed to meet needs related to our banking services. In particular, it enables us to:

• Identify you and communicate with you
• Manage your requests and complaints
• Ensure regulatory compliance
• Prevent fraud and strengthen the security of our services
• With your consent, personalize our offers and improve the user experience
• Inform you about products and services tailored to your needs

Cross-border transfers

As part of the international activities of the BANGE Group, your data may be processed or hosted outside Benin. These transfers are carried out in accordance with applicable laws and rely on legal mechanisms that ensure the protection of your information, even in countries whose legal framework differs from that of Benin. The Bank ensures that your data is never transferred in violation of data protection regulations.

Data retention period

Your personal data is retained only for the period necessary to achieve the purposes for which it was collected (proper account management, customer relationship management, legal or regulatory requirements), or to comply with legal obligations. The Bank implements procedures to ensure that information is not kept beyond the strictly required period.

Your rights

You have a range of rights regarding your personal data. You may access your information, request its rectification or deletion, restrict its processing, object to certain processing activities, or exercise your right to data portability. The Bank undertakes to facilitate the exercise of these rights and to respond to your requests as promptly as possible, in accordance with applicable legislation.

Data security

The Bank implements rigorous technical and organizational measures to protect your data against any unauthorized use, loss, alteration, or disclosure. These measures include access control, encryption of sensitive information, regular monitoring and assessment of systems, as well as ongoing staff training in security best practices. It is also your responsibility to secure your personal devices and software in order to prevent any unauthorized access to your data.