Who is covered by this policy?

All visitors ("visitors") who visit the site https://www.fidelitybank.com.gh and provide information to Fidelity Bank online are covered under this Policy.

Information covered by this policy

This Policy seeks to cover private information of the Visitors provided to Fidelity Bank online as also any information collected by the bank server from the visitor's browser. ("the Information").

The features of the policy:

• All Information collected shall only be used to provide the Visitor with the best possible services.

• The Information shall not be shared with any external organisation unless the same is necessary to enable Fidelity Bank to provide you services or to enable the compilation of a transaction, credit reporting, or the same is necessary or required pursuant to applicable banking norms or pursuant to the terms and conditions applicable to such Information as agreed to with Fidelity Bank. Needless to add, confidentiality norms as applicable to banks shall be adhered to. Fidelity Bank may also share Information to provide you with superior services and a range of offers. If you desire Fidelity Bank to limit such sharing whereby you would not like to be informed of offers available you may contact us at info@myfidelitybank.net.

• Fidelity Bank will use the Information to improve the visitor experience on the site and make subsequent offers to the visitor on products which may be of interest to him/her.

• The Fidelity Bank website uses cookies. Cookies are small data files that a website stores on your computer. We use persistent cookies which are permanently placed on your computer to store non-personal (Browser, ISP, OS information etc.) and profiling information (age, gender, income etc.). While cookies have unique identification numbers, personal information (name, a/c no, contact numbers etc.) SHALL NOT be stored on the cookies. We will use the information stored in the cookies to improve visitor experience through throwing up relevant content where possible. We will also use the cookies to store visitor preferences to ease visitor navigation on the site.

• Fidelity Bank also may disclose information about you as permitted or required by law.

At Fidelity Bank, we value your relationship and will at all times strive to ensure your privacy.

COPYRIGHT © FIDELITY BANK 2018. ALL RIGHTS RESERVED.

Security

At Fidelity Bank Ghana Limited, we make the protection of your information our topmost priority. We use physical, technical, and procedural controls that comply with applicable legal standards to secure your information from unauthorized access and use, manipulation, and destruction. We have implemented both external and internal control measures and processes to ensure that your transactions remain confidential.

While Internet Banking is essentially an additional banking channel that we offer our customers for their convenience, Fidelity Bank has assessed the risk from the operational as well as from a technology and security perspective. Some of the risks that we have considered are mentioned below:

Authentication of Transaction by the customer is a key risk area from an operational perspective. As a precautionary measure, we have installed a multi-level process, whereby customers can perform Internet Banking transactions only if they are valid account holders, and then by using a combination of a unique Customer ID, and a unique randomly generated password known only to the customer which he/she can change to his/her convenience. The onus of maintaining the confidentiality of the password is on the customer. Further, customers can only do financial transactions between accounts where they already possess normal operational rights.

Repudiation of the transaction by the customer is another risk that has been identified. However, customers can log in only by using a unique combination of Customer ID and Password, after which transactions can be carried out. The Bank has implemented the highest industry standards for security, which is constantly reviewed to counter any new security threats. We have a dedicated team that supervises the banking systems, 24x7 in our data centre.

The operational and internal control measures we have in Internet Banking include:

Access to Internet Banking provided only based on application and valid customer ID. Internet Banking password - issued to customers only on specific request.

The password - generated using an internationally validated algorithm and printed on tamper-proof stationery.

Access to customer information - given based on a combination of a unique Customer ID and password.

Therefore, a customer can access account information only on those accounts where he has a relationship with the bank (Account Holder). Wherever, the customer has opted to avail the third party fund transfer services of the Bank, the bank provides a window for transfer of funds to any account holder within the bank and who does not share any relationship with the customer's account. All correspondence on account of transactions originating from Internet Banking is sent to the customer's address registered with the Bank and not to any third party address. Account related customer information or instructions which are confidential in nature are not solicited/accepted over email. Customer logins and activities are tracked and the same is available for future investigation.

Fidelity Bank follows a strict policy of Backup, Storage and Retrieval for all its systems, which includes Internet Banking.