1. Disclaimer Your Privacy Matters to Us
This section outlines our policy relating to any personal information you might wish to provide us when you visit our site.
Our business has been built on trust between our customers and ourselves. Unless legally compelled to disclose, we have a duty to safeguard and keep confidential any information relating to our customers or their financial affairs. Whether it is provided to us in person at one of our branches, over the phone, when using an ATM or while visiting this site, we will strive at all times to ensure that the information is kept confidential and secure.
In addition to our duty of confidentiality to customers, we shall at all times fully observe this Disclaimer, Internet Privacy Statement or any law, regulations and guidelines on privacy policies which may be introduced from time to time, in collecting, maintaining and using the personal data of customers. In particular, we observe the following principles, save otherwise appropriately agreed by the customers:
A customer’s personal data is classified as confidential and can only be disclosed by us where permitted by law, regulations and guidelines on privacy policies in force or otherwise legally compelled to do so.
2. Internet Privacy Statement And Personal Information Collection
SIB will not collect any personal information that identifies a visitor to this site individually unless specified otherwise. Your visit to this site will record only the Domain Name Server part of your e-mail address and of the pages visited. Such information will be used to prepare aggregate information about the number of visitors to the site and general statistics on usage patterns.
We may change the content or services found on our Internet Site at any time without notice and, consequently, our Disclaimer, Internet Privacy Statement may change from time to time. Any revision and/or addition to our Disclaimer, Internet Privacy Statement shall become effective when we notify you by posting it on the Internet Site(s). You will be required to accept the revision and/or addition by clicking on the "accept" button which will be displayed at the bottom of the page. Otherwise, you will not be able to access the Services after the revised Disclaimer, Internet Privacy Statement has been posted on the Internet Site(s)."
There may also be specific and additional privacy provisions which apply to certain sections of our Internet Site accounts you hold with us or services provided to you, which will operate in addition to the provisions of this Disclaimer, Internet Privacy Statement. In the event of any inconsistency between the provisions of this Disclaimer, Internet Privacy Statement and those other specific and additional provisions, the specific and additional provisions will prevail.
3. Use Of "Cookies"
Some of this information will be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person’s web browser in their computer that can be retrieved by this site. Such information, for example, may be a user’s password that is stored to avoid having to retype it during subsequent visits to a site. Should you wish to disable these cookies you may do so by changing the setting on your browser itself.
4. Use Of Information And Materials
Products and services referred to in this Internet Site are offered only in jurisdictions where and when they may be lawfully offered by the Bank, any members of the SIB Group and/or any third party service provider and the materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to inform themselves about and observe any relevant laws, regulations and local practices whether in relation to restrictions or otherwise and also in the light of their own individual circumstances before acting on the said information.
These pages should not be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdictions nor intended to directly or indirectly offer investment, legal, accounting, tax or financial advice to any party.
The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice.
5. Employee Access
Only authorised employees who are trained in the proper handling of customer information and who have a business reason to do so will have access to customer information. In any case, all employees are under a duty of confidentiality to the Bank and those who violate this undertaking may be subject to action under the relevant law and the usual internal disciplinary action.
6. Copyrights And Trademarks
The Bank and other parties own the trade marks, logos and service marks displayed on this site and users are prohibited from using the same without the written permission of the Bank or such other parties.
The materials on this site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Bank’s prior written consent.
7. No Warranties
While every care has been taken in preparing the information and materials contained in this site, such information and materials are provided to you "as is", "as available". The Bank does not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions in these information and materials. No warranty of any kind, implied, express or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.
8. Hyperlinked Web Sites
The hyperlinks to non-SIB Group web sites from the Bank’s Internet Site do not constitute an endorsement by the Bank of such third party web sites.
E-mail messages sent to the Bank over the Internet cannot be guaranteed to be completely secured. The Bank will not be responsible for any damages incurred by users if they send a message to the Bank, or if the Bank sends a message to them at their request, over the Internet. The Bank is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this Internet Site.
10. Transmission Over The Internet
Due to the nature of the Internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Bank will not be liable for malfunctions in communications facilities not under our control that may affect the accuracy or timeliness of messages and transactions you send.
11. Notice To Customers And Others Relating To Collection Of Personal Data
From time to time, it is necessary for customers to supply the Bank with data in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of banking services.
Failure to supply such data may result in the Bank being unable to open or continue accounts or establish or continue banking facilities or provide banking services.
It is also the case that data are collected from customers in the ordinary course of the continuation of the banking relationship, for example, when customers deposit money.
12. Types Of Personal Data Collected
Personal data collected will depend on the services or products used on this Internet Site. For example, if the customer visits the site to browse or download information, our systems will record the date and time of the activities, the information viewed and/or downloaded. It may also include but not limited to the customer’s personal data such as name, address, e-mail address, telephone number, age, gender, race, nationality, assets, liabilities, income, account information, account balance, payment records and any other information or data provided to the Bank from time to time.
The purposes for which data relating to a customer may be used include but are not limited to the following:
The daily operation of the services and credit facilities provided to customers;
13. Data Confidentiality And Sharing Of Personal Information
Strict security systems and procedures have been established to prevent unauthorised access and to ensure that the confidentiality of customer information is kept at all times, even after the termination of the banker-customer relationship between the customer and the Bank.
Data held by the Bank relating to a customer will be kept confidential but the Bank may provide or may be required to provide such information to the following parties for the purposes set out above:
14. Accurate Information
All practical steps will be taken to ensure that personal data are accurate and will not be kept longer than necessary and/or destroyed in accordance with the internal retention period. Customers can help the Bank keep accurate records by informing the Bank in writing of any changes so that records on them could be updated promptly. Such written communications with the Bank can be delivered by the Customer to the Bank by post or by hand or by completing the relevant screens (such as the Update Personal Details screen), where communications with the Bank are facilitated by the Internet Site.
15. Customer's Right To Access Information
A Customer will have the right:
The Bank reserves the right to charge a reasonable fee for the processing of any data access request.