2.1 We may collect information from you when you register on our chatbot. We may collect your name, e‐mail address, phone number, and date of birth, gender, residential address, ID number, device ID, and device location. When onboarding on our Xpress Account service, we may also collect information about you from your profile on Facebook.

2.2 We may collect information identifiers and information such as IP address, browser version, operating system, and software data. When we collect information about you from your profile on Facebook, the privacy notice between you and Facebook shall apply.

We collect and use your personal data; (i) to comply with various legal and regulatory obligations, including prevention of corruption, fraud, money laundering, trade sanctions or the financing of terrorism, banking and financial regulations, or to reply to an official requests from public or judicial authority, (ii) to perform a contract with you or to take steps prior to entering into a contract with you, and/or (iii) to respect your choice if you have consented to the processing beforehand.

4.1 Services

We use your data we have collected to authenticate you and authorize access to our banking services on the chatbot.

4.2 Communication

We may contact you through email, short message services (SMS), phone call, and other ways through our services, including text messages and push notifications. We will send you messages about the availability of our services, security, or other service-related issues. We also send messages about how to use the services and network updates.

4.3 Advertising and Marketing

We serve you tailored advertisements through our apps, other channels, and media of our services. We target advertisements in our Apps and through other channels and media to customers of our services through a variety of ad networks and exchanges, using data from advertising technologies and information from advertising partners, publishers, and data aggregators. We use data and content about our customers for invitations, promotions, and communications solely for promoting our services.

4.4 Customer Support

We use the data needed to investigate, respond to and resolve complaints and Service issues. We may also use your data for security purposes or to investigate possible fraud or other violations of our terms and conditions or this Privacy Policy and/or attempts to harm our customers.

Ensuring the security of our systems and safeguarding our users' information is of utmost importance to Ecobank. It is fundamental to upholding the integrity of our brand and providing our customers with a secure and trustworthy experience across all our platforms, including our websites, apps, advertising services, products, and technologies. Our commitment to protecting user data is integral to maintaining the trust our customers place in us:

5.1 Ecobank has technical, administrative and physical safeguards in place to help protect against unauthorized access, use or disclosure of customer information we collect or store.

5.2 We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.

5.3 We offer the use of a secure transmission, processing and storage services using standardized security safeguards. We protect information exchanges between Facebook Messenger and our backend during the use of the chatbot using industry standard encryption techniques.

5.4 Your personal information may be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. Information such as PINs and passwords are not accessible to such authorized personnel.

When you use or interact with our services, you consent to the data processing, sharing, transferring and uses of your information as outlined in this Privacy Policy. Ecobank Group shall endeavor to comply with all applicable data protection and privacy regulations including EU General Data Protection Regulations (GDPR) and EU e-Privacy Directive.

6.1 To provide you with our services, your personal information may be transferred to countries other than your own to process and store data in accordance with our Privacy Policy and to provide you with products and services. We may transfer your data to affiliates or partners, including for outsourced data processing undertaken on Ecobank’s behalf. The primary data processor for Ecobank Group is a technology services company known as eProcess International S. A., a member of the Ecobank Group.

6.2 We share information concerning your transactions and experience within the Ecobank Group (the bank), which includes our technology subsidiary. This sharing of information is intended only to facilitate the servicing of our customers’ accounts and to offer financial products and services we believe would be beneficial to our customers.

6.3 Under all sharing arrangements, Ecobank requires its service providers and partners to keep such information under strict privacy regulations and prohibits them from disclosing such information to anyone for any other purpose.

6.4 We do not, and will not, share customer information with non-financial companies for the purpose of allowing them to market their products and services to our customers. We do not disclose any non-public personal information about our customers to any other third parties, except as permitted or required by law.

6.5 By using our products and services you consent to us transferring your information to countries outside your local jurisdiction, if necessary, for Ecobank’s legitimate business purposes as defined in our Privacy Policy. We are committed to ensuring your information is protected and apply security safeguards in accordance with applicable law.

We will retain your personal data for the periods allowed and/or required under applicable laws and regulations, and for the time you use our Banking services, and/or remain Our customer.

8.2 Rights to Access and Control Your Personal Data

You can access your personal data from our services when you follow our procedures on data subject requests. You can always modify or update your personal data using the applicable menus in the app.

When you wish to deactivate yourself from this chatbot, you are required to send a request to groupdataprivacy@ecobank.com. Ecobank shall contact you within fourteen days to validate the request for processing. A de-activated account may still have transactional history kept on our systems in accordance with financial laws and data retention policies of the Bank.

8.3 Account Closure

We retain your personal data even after you have closed your account if reasonably necessary to comply with our legal obligations as a financial institution (including law enforcement requests), meet regulatory requirements, resolve disputes, maintain security and prevent fraud.

Our services are for a general audience. We do not knowingly collect, use, or share information that could reasonably be used to identify children under age 13 without prior parental consent or consistent with applicable law.

We may update this Privacy Notice to reflect changes to our information practices, if we make any material changes, we will notify you by an email (sent to the email address specified in your account) or by means of a notice on this website or via a link from your mobile application prior to the change becoming effective. We encourage you to periodically review this page for updates on our privacy practices.

If we decide to change our privacy policy, we will post those changes on the chatbot for your notice and consent when required. If there are any matters regarding this privacy policy or a data breach incident you would like to report on, please write to us using the information provided below.

Data Protection Manager
eProcess International S. A.
2 Morocco Lane, Off Independence Avenue
P. O. Box AN 16746, Accra-North
Accra, Ghana