Welcome to Unified Investment Capital. We are committed to protecting the privacy, confidentiality, and security of our customers’personal and financial information.
This Privacy Policy explains how we collect, use, store, process, disclose, and protect your personal information whenyou visit our website, use our mobile banking application, access our online banking services, open an account, or interactwith us through any of our service channels.
By using our services, you acknowledge that you have read this Privacy Policy. Where applicable, we will obtain yourconsent before processing your personal information for purposes that require consent under applicable law.
We may collect the following categories of information, depending on the services you use.
This may include:
Full name and date of birth.
Residential and postal address.
Telephone number and email address.
National identification details.
Nationality and residency information.
Employment details and occupation.
Other information required to verify your identity.
To provide banking services, we may collect and process:
Bank account numbers and account details.
Account balances and transaction histories.
Income and employment information.
Loan applications and repayment records.
Payment and transfer information.
Information required to assess creditworthiness, where applicable.
When you use our digital platforms, we may collect:
Internet Protocol (IP) address.
Device type and operating system.
Browser type and version.
Login dates and times.
Device identifiers and security logs.
App usage and technical diagnostic information.
We may collect information necessary to process transactions, verify your identity, detect suspicious activity, preventfraud, and comply with applicable financial regulations.
We may retain information you provide when contacting our customer support team, submitting a complaint, completinga survey, or communicating with us by email, telephone, or other approved channels.
We may obtain your personal information through:
Information you provide when opening an account.
Forms completed online or at our branches.
Transactions performed through our banking services.
Our website and mobile application.
Customer service interactions.
Authorized identity verification and credit reference providers.
Other financial institutions or service providers where legally permitted.
Public or official sources where appropriate and lawful.
We will collect information in accordance with applicable legal requirements and will take reasonable steps to ensure thatinformation used for our services is accurate and relevant.
We may use your personal information for the following purposes:
Account management: To open, maintain, and administer your bank account.
Transaction processing: To process deposits, withdrawals, transfers, payments, and other financial transactions.
Identity verification: To confirm your identity and prevent impersonation.
Fraud prevention: To detect, investigate, and prevent fraud, money laundering, and other suspicious activities.
Regulatory compliance: To meet applicable legal, regulatory, tax, and reporting obligations.
Customer support: To respond to enquiries, complaints, and service requests.
Credit assessment: To evaluate loan applications and other credit products where applicable.
Service improvement: To maintain, troubleshoot, and improve our banking platforms.
Security monitoring: To protect our systems, customers, employees, and financial infrastructure.
Communication: To send account alerts, transaction notifications, policy updates, and important serviceannouncements.
Marketing: To provide information about products and services where permitted by law and, where required, withyour consent.
We will not use your personal information for purposes that are incompatible with the purposes described in this Policyunless permitted by applicable law or otherwise appropriately authorized.
Depending on the circumstances and applicable law, we may process your personal information on the basis of:
Your consent.
The performance of a contract or steps taken at your request before entering into a contract.
Compliance with a legal or regulatory obligation.
The protection of vital interests, where applicable.
Our legitimate interests, where legally permitted and where those interests do not override your rights.
The establishment, exercise, or defence of legal claims, where applicable.
Where processing relies on consent, you may withdraw that consent, subject to legal restrictions and the consequencesexplained to you. Withdrawal does not invalidate processing lawfully carried out before the withdrawal.
We treat your personal and financial information as confidential. However, we may disclose information when necessaryand lawful to provide our services or meet our obligations.
Recipients may include:
Regulatory and government authorities: Where disclosure is required or authorized by law.
Payment networks and financial institutions: To complete transfers, payments, settlements, and other bankingtransactions.
Technology and hosting providers: To maintain our digital platforms and IT infrastructure.
Identity verification and credit reference agencies: To verify information and assess eligibility for financial productswhere permitted.
Auditors, lawyers, and professional advisers: Where necessary for legitimate professional services.
Fraud prevention and cybersecurity providers: To detect and investigate suspicious activity.
Service providers and business partners: Where they are authorized to support our services and appropriatesafeguards are in place.
We require service providers who process personal information on our behalf to comply with applicable confidentiality,security, and data protection requirements.
We do not authorize third parties to use customer information for unrelated purposes without a lawful basis.
We use reasonable technical, organizational, and administrative safeguards to protect personal information againstunauthorized access, disclosure, alteration, loss, destruction, and misuse.
These measures may include:
Encryption where appropriate.
Secure login and authentication procedures.
Access controls and staff authorization.
Monitoring of suspicious transactions.
Security assessments and system maintenance.
Staff confidentiality and data protection training.
Backup and recovery procedures.
Although we take reasonable steps to safeguard your information, no electronic transmission or storage system can beguaranteed to be completely secure.
You are responsible for protecting your login credentials, passwords, PINs, and one-time passwords (OTPs). Our staff willnot ask you to disclose your confidential banking credentials through unsolicited calls, messages, or emails.
If you suspect that your account or personal information has been compromised, contact us immediately through ourofficial customer support channels.
Our website may use cookies and similar technologies to improve functionality, understand website usage, maintainsecurity, and remember user preferences.
Cookies may be used to:
Support website functionality.
Maintain secure sessions.
Analyze website performance.
Remember selected preferences.
Measure the effectiveness of optional marketing activities, where applicable.
You may be able to manage cookies through your browser settings or our cookie preference tool, where available.
Disabling certain cookies may affect the availability or performance of some website features. Where required by law, wewill obtain consent before using non-essential cookies.
When you use our mobile application or online banking services, we may process information necessary to authenticateyou, provide requested services, protect your account, and maintain the reliability of our systems.
Depending on the features you choose to use, the application may request access to certain device functions, such ascamera access for identity verification or document scanning.
We will explain relevant permissions where appropriate. You can manage device permissions through your devicesettings, although disabling a permission may prevent the related feature from functioning.
Please download our mobile application only from official app stores or links published through our authorized channels.
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected,including providing banking services, meeting legal and regulatory obligations, resolving disputes, and preventing fraud.
Retention periods may depend on:
The type of information collected.
The nature of your banking relationship.
Applicable financial recordkeeping requirements.
Pending complaints, investigations, or legal proceedings.
Other obligations imposed by law.
When information is no longer required, we will take appropriate steps to securely delete it, destroy it, or anonymize it,subject to applicable legal and operational requirements.
Closing an account does not necessarily result in the immediate deletion of all associated records.
Some of our service providers or technology infrastructure may be located outside your country of residence.
Where personal information is transferred internationally, we will take steps to ensure that the transfer complies withapplicable data protection laws and that appropriate safeguards are in place.
These safeguards may include contractual protections, security measures, or other mechanisms recognized underapplicable law.
Subject to applicable law, you may have the right to:
Request access to personal information we hold about you.
Request correction of inaccurate or incomplete information.
Request deletion of personal information where legally permitted.
Object to certain types of processing.
Request restriction of processing in applicable circumstances.
Withdraw consent where processing is based on consent.
Request information about how your personal information is used or disclosed.
Lodge a complaint with the relevant data protection authority.
Certain rights may be limited where we must retain or process information to comply with banking regulations, preventfinancial crime, enforce agreements, or meet other legal obligations.
To exercise your rights, please contact us using the details provided in the Contact Us section below. We may need toverify your identity before responding.
We may send you information about our products, services, promotions, or special offers where permitted by law.
You may opt out of optional marketing communications by using the unsubscribe facility in our messages or bycontacting us.
Even if you opt out of marketing, we may continue to send essential communications relating to your account,transactions, security, legal obligations, and changes to our services.
Our banking services are primarily intended for individuals who meet the applicable eligibility requirements.
Where we offer accounts or services to minors, we will handle their personal information in accordance with applicablelaws and any requirements relating to parental or guardian involvement.
We do not knowingly collect children's personal information beyond what is necessary and legally permitted to providethe relevant services.
Our website or application may contain links to third-party websites, payment services, or external platforms.
These third parties may operate under their own privacy policies and terms of service. We encourage you to review thosepolicies before providing personal information.
We are not responsible for the privacy practices of third-party websites that we do not operate, except to the extentrequired by applicable law.
If we become aware of a personal data breach, we will assess the incident and take appropriate steps to contain,investigate, and address it.
Where required by applicable law, we will notify the relevant authorities and affected individuals within the applicabletime limits.
If you believe your personal information has been accessed or disclosed without authorization, please contact usimmediately so we can investigate.
We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices, orlegal obligations.
When changes are made, we will publish the revised Policy through our official website or another appropriatecommunication channel and update the “Last Updated” date.
Where required by law, we will notify affected customers or obtain consent before implementing changes that require it.
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to report a privacy concern, please contact us using the details below.
This Policy should be reviewed for compliance with applicable data protection legislation, banking and payment services requirements, and relevant Bank directives.
Depending on the bank's operations, relevant requirements may include the Data Protection Act, 2012 (Act 843), the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930), the Payment Systems and Services Act, 2019(Act 987), and applicable amendments, regulations, and directives.
Where other jurisdictions apply, additional privacy and financial regulations may be relevant.
By using our website, mobile application, or banking services, you acknowledge that this Privacy Policy has been madeavailable to you.
Where consent is legally required for a particular activity, we will request that consent separately rather than treating general use of our services as automatic consent to every type of data processing.