Zambia National Commercial Bank Plc (Zanaco) is committed to protecting the integrity, confidentiality, and security of all company data, including personal data, regardless of its source, ownership, or storage medium.
Zanaco, as your data collector, controller and processor, is committed to complying with national and international data protection regulations in safeguarding the privacy, confidentiality, and trust of the data subjects and the security of all company data.
Personal Data comprises all the details that Zanaco holds or collects about you, directly or indirectly, including your name, identification number, location data, transactions, financial information, interactions, and dealings with Zanaco. This includes information received from third parties, collected using Zanaco website, cookies, and Zanaco electronic banking services.
This policy statement, together with Zanaco Terms and Conditions for Zanaco Accounts set out the basis on which any Personal Data Zanaco collects from you, or that you provide to Zanaco online or offline, will be processed by Zanaco. Please read the following carefully to understand Zanaco views and practices regarding your Personal Data and how Zanaco will treat it. Zanaco will process all your Personal Data strictly for the intended purpose, and in accordance with applicable Data Protection laws and international best practices around Data Protection.
PURPOSES FOR WHICH ZANACO MAY PROCESS YOUR PERSONAL DATA
Data processing includes any operation or set of operations performed on Personal Data, whether by automated means, including collection, recording, storage, use, copying, and transfer. Zanaco will collect and process your Personal Data for purposes including:
- Complying with legal and regulatory requirements and conditions set as mandatory for the conduct of banking business in Zambia and internationally.
- Establishing and maintaining the contractual relationship between Zanaco and yourself.
- Enabling Zanaco to provide a wide range of banking services to you.
- Developing, testing, and improving banking products and services.
- Disclosing and obtaining information from Credit Reference Bureaus regarding your credit history.
- Operational purposes.
- Protecting the legitimate interests of Zanaco.
SHARING OF PERSONALLY IDENTIFIABLE INFORMATION
Please note that Zanaco may share your Personal Data as required by law or by order of any competent court or (semi-) governmental authority or in matters of public safety or policy. Under strict conditions of confidentiality, Zanaco may share your Personal Data with Zanaco agents and Zanaco contractors who may use it on Zanaco’s behalf or in connection of furtherance of the contractual relationship with Zanaco in order to enable Zanaco provide banking services to you.
Subject to legal and contractual exceptions, you have the following rights to your Personal Data under the terms of applicable laws:
a) Right to be informed. To be informed about the collection and use of your Personal Data.
b) Right to access. To request access to and obtain a copy of your Personal Data. Zanaco may be allowed by law to charge a fee for this.
c) Right to erasure. To request Zanaco to delete your Personal Data if Zanaco no longer have a valid reason to retain and process, subject to all applicable laws.
d) Right to rectification. To request that Zanaco correct your Personal Data. This can be done at your branch or through your relationship manager.
e) Right to object. To object to processing of your Personal Data in certain circumstances.
f) Right to data portability. To request a copy of your Personal Data in a machine-readable format.
g) Right to restriction of processing. To restrict processing of your Personal Data in well-defined circumstances. If you have any concerns about how Zanaco processes your Personal Data, you can discuss this at your branch or with your Relationship Manager.
The rights stated above may be exercised with reasonable frequency and without undue delay at your branch or through your Relationship Manager.
INFORMATION ZANACO RECEIVES
Zanaco collects certain information from and about Zanaco visitors in four ways: from the Zanaco web server logs, by means of cookies, with the assistance of third-party marketing technologies provided by reputable service providers or vendors, and directly from you.
WEB SERVER LOGS
When you visit the Zanaco website, Zanaco may track information to administer the site and analyze its usage. With each visit, Zanaco may automatically collect the following information:
- Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform.
- Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through, and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
Cookies are small text files stored on your computer by your browser. They are used for many things, such as remembering whether you've visited the site before, so that you remain logged in, or to help us work out how many new Zanaco visitors Zanaco get each month. Cookies do not constitute nor comprise Personal Data about you, to the best of Zanaco’s knowledge they cannot harm your computer and do not contain any viruses.
- Certain cookies are essential to the proper function of this site.
- Zanaco do not track your personal activities when you're not on this site.
- Zanaco use analytics cookies to help us understand what content is most useful to Zanaco visitors.
TYPES OF COOKIES
- Analytics: Zanaco track site traffic patterns to identify popular site content and potential site problems.
You can choose to have your computer warn you each time a cookie is being set, or you can choose to turn off all cookies; you can do this through your browser settings. Each browser is a little different, so look at your browser's 'Help Menu' to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your experience more efficient, and some of Zanaco services will not function properly. Blocking or deleting cookies from the site may also prevent you from using the site.
Zanaco uses Google services (Analytics, Remarketing, Display). You can read about how Google uses data when you use Zanaco sites or apps here. Zanaco use remarketing with Google Analytics to advertise online. Third-party vendors, including Google, may show Zanaco ads on sites across the Internet. Zanaco and third-party vendors, including Google, use first-party and third-party cookies together to inform, optimize, and serve ads based on a person's past visits to website. You can opt out from all this here.
Zanaco uses Mailchimp (Email Alerts, Contact Management & Marketing) to stay in contact with others, including creating, sending, and managing emails and other information related to subscribers. You can read about how Mailchimp uses data when you use Zanaco sites or apps here.
Zanaco uses Facebook Pixel to monitor the performance of ads run from Facebook to the website. Zanaco also uses it to inform, optimize, and serve ads based on a person's past visits to a Zanaco website.
Zanaco uses LinkedIn Marketing solutions for conversion tracking, retargeting, and web analytics for LinkedIn ad campaigns.
Zanaco uses Twitter Marketing solutions to measure what happens after you see Zanaco ads on Twitter. If you click on the link, retweet, like, or simply view the tweet and then come to Zanaco website, Zanaco will know where you came from.
INFORMATION SUPPLIED BY YOU
Any information submitted to Zanaco during a support issue will only be made available to Zanaco.
Zanaco may provide summary statistics about the interests and preferences of visitors to the Zanaco website, traffic patterns, and related site information. These statistics do not include personally identifiable information.
Zanaco uses technical security measures to prevent the loss, misuse, and alteration of your Personal Data under Zanaco control. Information about Zanaco subscribers and their website usage is maintained in a secure environment. Information about Zanaco subscribers and their website usage is not shared with third parties for marketing purposes. Zanaco does not disclose any information about any subscriber's usage of Zanaco website except in specific cases, and Zanaco does not share information with any unaffiliated third parties for marketing purposes unless you expressly give Zanaco permission to do so.
WHERE ZANACO STORES YOUR DATA
All Personal Data you provide to Zanaco is stored on Zanaco secure servers. Where Zanaco has given you (or where you have chosen) a password that enables you to access certain parts of the Zanaco site, you are responsible for keeping this password confidential. Zanaco will never ask you to share any of your Passwords and you are requested not to share any password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although Zanaco will do its best to protect your Personal Data, Zanaco cannot guarantee the security of your data transmitted to the Zanaco site; as such any transmission is at your own risk. Once Zanaco have received your information, Zanaco will use strict procedures and security features to prevent unauthorized access.
Zanaco will retain your Personal Data and Banking records for a minimum period of 10 years, as required by the Law.
If you don't want to receive promotional materials from Zanaco, you can opt out at any time by sending an email to [email protected].
CHANGES TO THE POLICY