Your Personal Information

This Data Protection and Privacy Statement relates solely to information supplied by you on this Web Site. SUMAC MICROFINANCE Bank Limited, the Data Controller respects the privacy of your personal information and will treat it confidentially and securely.

Any personal information provided by you to SUMAC MICROFINANCE Bank through this Web Site will be used for the purpose of providing and operating the products and services you have requested at this Web Site and for other related purposes which may include updating and enhancing SUMAC MICROFINANCE Bank’s records, understanding your financial needs, conducting credit checks, reviewing credit worthiness and assisting other financial institutions to conduct credit checks, advising you of other products and services which may be of interest to you, for crime/fraud prevention and debt collection purposes, for purposes required by law or regulation, and to plan, conduct and monitor SUMAC MICROFINANCE Bank’s business. The information collected from you by SUMAC MICROFINANCE Bank will be valuable in improving the design and marketing of our range of services and related products for customer use.

Other than to those individuals and entities listed below your details will not be revealed by

SUMAC MICROFINANCE Bank to any external body, unless SUMAC MICROFINANCE Bank has your permission, or is under either a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:

• any other Branches of SUMAC MICROFINANCE Bank (ie. SUMAC MICROFINANCE Bank, its subsidiaries and affiliates);

• any regulatory, supervisory, or governmental authority with jurisdiction over SUMAC MICROFINANCE Bank members;

• any agent, contractor or third-party service provider, professional adviser or any other person under a duty of confidentiality to SUMAC MICROFINANCE Bank;

• credit reference agencies and, in the event of default, debt collection agencies;

• any actual or potential participant or sub-participant in, assignee or transferee of, any of the

SUMAC MICROFINANCE Bank rights and/or obligations in relation to you;

• any financial institution with which SUMAC MICROFINANCE Bank has or proposes to have dealings.

The above disclosures may require the transfer of your information to parties located in countries that do not offer the same level of data protection as your home country. However, SUMAC MICROFINANCE Bank will ensure that parties to whom your details are transferred treat your information securely and confidentially. SUMAC MICROFINANCE Bank also pledges its intention fully to meet any internationally recognised standards of personal data privacy protection and to comply with applicable data protection and privacy laws. We may transfer your information if it is necessary to perform our contract with you and by providing details to SUMAC MICROFINANCE Bank via this Web Site you are deemed to consent to any other transfers.

Information held about you is retained as long as the purpose for which the information was collected continues. The information is then destroyed unless its retention is required to satisfy legal, regulatory or accounting requirements or to protect SUMAC MICROFINANCE Bank’s interests. As a general rule, the maximum retention period is 7 years.

It is your responsibility to maintain the secrecy of any user ID and login password you hold.



In order to improve our Internet service to you, we will occasionally use a “cookie” and/or other similar files or programs which may place certain information on your computer’s hard drive when you visit SUMAC MICROFINANCE Bank website. A cookie is a small amount of data that our web server sends to your web browser when you visit certain parts of our site. We may use cookies to:

• allow us to recognise the PC you are using when you return to our website so that we can understand your interest in our website and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally.);

• identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (Your browser keeps this type of cookie until you log off or close down your browser when these types of cookies are normally deleted. No other information is stored in this type of cookie.);

• allow you to carry information across pages of our site and avoid having to re-enter that information;

• allow you access to stored information if you register for any of our online services;

• enable us to produce statistical information (anonymous) which helps us to improve the structure and content of our website;

• enable us to evaluate the effectiveness of our advertising and promotions.

Cookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored. For further information, please refer to your Internet browser software instructions or help screen. Alternatively, information on deleting or controlling cookies is available at all about cookies


Internet Communications

In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, prevent and detect crime or unauthorised activities, SUMAC MICROFINANCE Bank reserves the right to monitor all internet communications including web and email traffic into and out of its domains.

Your Rights and How to Contact Us

You may have the right under data protection legislation on payment of a fee to request access to personal information about you held by us and to have it corrected where appropriate. If you have that right and you wish to access, correct or delete any of your personal data held by us, or if you have any questions concerning our Data Protection and Privacy Statement please contact the relevant SUMAC MICROFINANCE Bank Data Protection representative. You may also have the right to access details held by credit reference agencies and SUMAC MICROFINANCE Bank will supply details of the relevant agencies upon request.


Contacting You

In providing your telephone, facsimile number, postal and e-mail address or similar details, you agree that SUMAC MICROFINANCE Bank may contact you by these methods to keep you informed about SUMAC MICROFINANCE Bank products and services or for any other reason.

SUMAC MICROFINANCE Bank reserves the right to amend its prevailing Data Protection and Privacy Statement at any time and will place any such amendments on this Web Site. This Data Protection and Privacy Statement is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on SUMAC MICROFINANCE Bank in respect of any other party or on behalf of any party.