1. Preface
This Privacy Policy outlines how Banjul Credit Union Gambia Ltd ("we", "us", or "our") collects, processes, maintains, and safeguards personal data obtained through our financial platforms, website, digital portals, and branch services.
We are committed to maintaining the highest standards of data protection and privacy compliance in alignment with statutory data regulations in The Gambia and Central Bank regulatory frameworks.
2. Financial Products Covered
This policy applies to all financial products, platforms, and services offered by Banjul Credit Union Gambia Ltd, including savings accounts, chequing accounts, trade finance, consumer loans, digital banking portals, and electronic payment solutions.
3. Revisions to this Privacy Policy
We reserve the right to review, update, or modify this Privacy Policy at any time to reflect changing operational practices, technical advancements, or regulatory requirements. Revised policies will be published on this portal with an updated effective date.
4. Collection of Personal Information (Notice)
We collect personal information directly from you, from automated digital interaction channels, and from verifiable credit reference bureaus or regulatory databases. Information collected includes:
- Identification Details: Full name, national identity number, passport details, tax identification, date of birth, and biometric verification data.
- Contact Information: Residential address, phone numbers, email address, and mailing preferences.
- Financial History: Income records, employment details, account balances, transaction records, and credit performance history.
- Digital Technical Data: IP address, device identifier, geolocation data, login timestamps, and session diagnostics.
5. Uses of Personal Data and Lawful Grounds
We process your personal data under legitimate legal grounds, including contractual execution, statutory legal obligations, explicit user consent, and institutional financial duties.
Primary processing purposes include verifying member identity, evaluating loan applications, operating payment accounts, preventing financial fraud, fulfilling anti-money laundering (AML/CFT) obligations, and delivering personalized financial updates.
6. Key Data Elements Collected
The following table outlines categories of personal data collected and operational purposes for processing:
| Data Category | Specific Data Elements | Primary Processing Purpose |
|---|---|---|
| Identity Data | Full Name, National Identity ID/Passport Number, Biometrics, Proof of Address | Member onboarding, identity verification, Know-Your-Customer (KYC) regulatory compliance. |
| Financial Data | Account details, bank statements, transaction history, loan repayment records | Account administration, credit assessment, risk management, trade finance execution. |
| Contact Data | Email Address, Mobile Telephone Number, Physical Residential Address | Transaction alerts, security verification, member support, service announcements. |
| Technical Data | IP Address, Device ID, Operating System, Browser Diagnostics, Login Logs | Digital fraud prevention, platform security optimization, user experience enhancement. |
7. Secondary Uses of Personal Information
Subject to your optional preferences, we may utilize aggregated, anonymized data for internal financial research, service quality audits, statistical analysis, and customized promotional communication regarding new credit offerings or savings products.
| Secondary Purpose | Data Used | Member Option / Control |
|---|---|---|
| Product Development & Analytics | Anonymized Transactional Metrics | Internal optimization; non-identifiable. |
| Promotional Offers & Newsletters | Name, Email, Mobile Contact | Opt-out available at any time via support. |
| Satisfaction Surveys | Contact Details & Service Usage Logs | Voluntary participation. |
8. Direct Marketing Contact Options
Members maintain full authority over marketing notifications. You may opt out of promotional emails, SMS notifications, or telephone outreach by contacting our service team or selecting unsubscribe links within communication channels.
9. Access and Correction
You have the right to request access to the personal information held about you by Banjul Credit Union Gambia Ltd. Should any information be inaccurate, incomplete, or out of date, you may request corrections through our branch locations or digital portal support.
10. Deleting or Anonymizing Personal Data (Data Retention)
We retain personal information only for as long as necessary to fulfill the operational purposes for which it was collected, or as mandated by Central Bank regulations and financial record-keeping laws. Upon expiry of legal retention periods, data is securely erased or anonymized.
11. Cookies
Our website uses technical cookies and session tracking technologies to enhance portal navigation, secure online banking authentication, and analyze site traffic. Users may configure browser settings to disable cookies, though certain online banking functionalities may be limited.
12. Web Beacons
Electronic images or transparent GIFs (web beacons) may be integrated within digital communications or web pages to compile analytics regarding email opening rates and page interaction statistics to improve communication delivery.
13. Analytics
We deploy secure web analytics tools to aggregate user traffic patterns without extracting personally identifiable information, ensuring our online banking user experience is optimized continuously.
14. Third Party Ad Networks
Banjul Credit Union Gambia Ltd does not allow third-party advertising networks to track users on our secure financial platforms or serve behavioral targeted ads within our digital banking environment.
15. Cross Border Transfers
In executing international wire transfers, correspondent banking, or trade finance operations, relevant personal and financial transaction data may be securely transmitted across international financial networks (such as SWIFT) in full compliance with cross-border banking protocols.
16. Security
We enforce robust administrative, technical, and physical safeguards—including SSL encryption, firewall protection, multi-factor authentication, and strict access controls—to defend member data against unauthorized access, loss, or disclosure.
17. Children and Minors Personal Data
We do not knowingly collect personal information directly from minors without explicit parental or legal guardian authorization. Minor savings accounts must be operated under joint parental supervision.
18. Contact Us
If you have questions, inquiries, or formal requests regarding this Privacy Policy or your personal data handling, please reach out to our Data Protection Officer:
Banjul Credit Union Gambia Ltd
Capital city, St. Mary's Island, Banjul, The Gambia
Telephone: +220 422 0000
Email: privacy@banjulcreditunion.com
19. Jurisdiction and Governing Law
This Privacy Policy is governed exclusively by the laws of The Gambia. Any legal disputes or claims arising out of data handling under this policy shall fall within the jurisdiction of the national courts of The Gambia.