CAC International Bank Privacy Agreement
CAC IB recognizes the importance of your personal information and we never take for granted the trust that you - as a customer or a business partner - have placed in us to protect that information.
CAC IB values transparency. With this Privacy Agreement, along with our Digital Privacy and Interest-Based Advertising Policy, we are striving to provide you with a good understanding of why we collect and use your personal information, how your information is shared, retained and protected, and how you can exercise your personal choices. We will also explain how you can find out what personal information we hold about you. When you apply or sign-up for a product or service that requires further explanation about how we use your personal information, we will explain that to you.
What is personal information?
Personal information is information that identifies you or can be used to identify you. Examples of personal information include first and last name, mailing address, telephone number (including mobile), email address, date of birth, government-issued identification (CNI Card, Passport), credit history, information about your employment and education, annual income, assets and liabilities and financial transactions.
Why we collect and use personal information?
We collect and use personal information to establish and manage our banking relationship with you, provide you with personalized products and services manage our business, and comply with legal and regulatory requirements. We will give you some examples to explain each one of these purposes.
To establish and manage our banking relationship
We collect and use personal information to establish and maintain our relationship and provide you with the products and services you have requested.
To provide you with personalized products and services
We collect and use personal information to provide you with personalized products and services and information about products and services that may be of interest to you.
We may also use services provided by third-party platforms (such as social networking and other websites) to serve relevant CAC IB advertisements on such platforms to you and others. We may provide a de-identified version of your email address to the platform provider for such purposes.
We collect and use information when you participate in a contest, survey, or promotion: If you participate in a contest, survey or promotion, we may collect your name, address, phone number, email address, and other information or responses you provide. We use this information to administer your participation in the contest or promotion and as otherwise described to you when you enter. The information obtained through our surveys is used in an aggregated form. We use this information to help us understand our clients and to improve our products and services. If a contest or promotion is administered by a third party (such as a loyalty program partner), we may share information with the third party as described to you at the time of entry into the contest or promotion.
To manage our business
We collect and use personal information to operate and manage our business and business relationships
To comply with legal and regulatory requirements
We are required to collect and use personal information to meet legal and regulatory requirements.
Why we share your personal information?
CAC IB may share your personal information with third parties for the purposes described below.
We also provide personal information to credit or payment card networks and associations to administer the payment card system. We may also share information with merchants with whom you have set up pre-authorized or automatic bill payments, in which case we may provide your updated payment card number or expiry date.
When personal information is provided to our service providers, we will require them to protect the information in a manner that is consistent with CAC IB privacy and security policies, practices and standards.
- to other organizations for the purposes of investigating a breach of an agreement or contravention of law or to detect, suppress or prevent fraud;
- to establish, exercise or defend legal claims;
- to protect the rights, property and safety of CAC IB and others;
- to courts, law enforcement and regulatory authorities in the jurisdictions in which we or our service providers operate, including to respond to a local or foreign court order, search warrant or other demand or request which we believe to be valid;
- to comply with the rules of production of a local or foreign court; and
- to satisfy legal and regulatory requirements that we believe are applicable to us, including the requirements of any self-regulatory organizations to which we belong.
How we protect and retain personal information?
We have implemented measures designed to safeguard the personal information in our custody and control against theft, loss and unauthorized access, use, and disclosure.
We restrict access to personal information to employees and authorized service providers who require access to fulfil their job requirements.
We may keep and use information about you in our records for as long as it is needed for the purposes described above, or to otherwise meet our legal obligations, even if you are no longer a customer.
How we maintain accurate personal information?
We require accurate, complete and up-to-date records to provide our products and services, and we have implemented processes to help ensure this.
We also rely on you to provide us with information that is true and complete. If any personal information changes or becomes inaccurate or out of date, please advise us using the contact information set out below so we can update our records.
How to access or update your personal information?
You can request to access or update the personal information we hold about you. Much of this information is already accessible by you, for example: through your account statements; by visiting the branch or office where you regularly do business; by accessing your account online; or through the Customer Contact Centre. However, to access any other personal information about you, please send request in writing to our Head Office using the contact information included at the end of this Agreement.
To process your request, we may ask you for information to validate your identity and confirm the scope of your request, such as your branch and account number, and clarification on the specific information or time you are requesting.
How we notify you of changes to this Privacy Agreement?
We may amend this Agreement from time to time to reflect changes in our personal information practices. We will post the revised Agreement on our website and make it available at our branches.
We may also notify you of any changes to this Agreement in any of the following ways:
How to contact us?
If you have an inquiry aboutCAC IB privacy practices or how our service providers and we treat your personal information, please contact the branch or office you deal with or call us at 253-21-35-63-63.
CAC IB has policies and procedures to receive, investigate, and respond to your privacy complaints and questions. We will investigate all complaints we receive and if we find a complaint justified, we will try to resolve it.
Please write to us
Rue de Marseille, P.O BOX 1868
Djibouti, Republic of Djibouti
Or call us