Privacy Policy
Juaben Community Bank PLC Mobile Banking Application
Effective Date: 27th August 2026
Juaben Community Bank PLC ("JCB", "the Bank", "we", "our", or "us") is committed to protecting the privacy, confidentiality, and security of the personal information of our customers and users.
This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you use the Juaben Community Bank Mobile Banking Application ("App"), our website, and related digital banking services.
By downloading, accessing, or using the App, you agree to the collection and use of information in accordance with this Privacy Policy.
1. Information We Collect
Personal Information
We may collect personal information including:
• Full name
• Date of birth
• Ghana Card or other identification details
• Mobile phone number
• Email address
• Residential or postal address
• Account numbers and customer identification information
Financial Information
To provide banking services, we may collect:
• Account balances
• Transaction history
• Beneficiary details
• Loan and investment information
• Payment and transfer records
Device and Technical Information
When you use our App, we may automatically collect:
• Device type and model
• Operating system version
• Device identifiers
• IP address
• Mobile network information
• Application usage and performance data
• Security and authentication logs
Location Information
Where permitted by your device settings, we may collect location information for:
• Fraud prevention
• Security monitoring
• Locating branches and ATMs
• Improving customer experience
2. How We Use Your Information
We use your information to:
• Provide mobile banking services
• Authenticate your identity
• Process payments and transactions
• Manage and maintain customer accounts
• Respond to customer inquiries and support requests
• Detect and prevent fraud and unauthorized transactions
• Improve the performance and security of our services
• Meet legal and regulatory obligations
• Send service-related notifications and alerts
3. Mobile Application Permissions
The Mobile Banking App may request access to:
Camera
To:
• Capture identification documents
• Scan QR codes
• Support onboarding and verification processes
Biometrics
To:
• Enable fingerprint or facial recognition login
• Improve account security and user convenience
Notifications
To:
• Deliver transaction alerts
• Provide security notifications
• Communicate important account updates
Location Services
To:
• Enhance security controls
• Help customers find nearby branches and ATMs
Access to these features is subject to your device settings and permissions.
4. Information Sharing
Juaben Community Bank PLC does not sell customer information.
We may share information with:
• Regulatory and supervisory authorities where required by law
• Payment processors and banking service providers
• Technology and support service providers acting on our behalf
• Law enforcement agencies when legally required
• Auditors and professional advisers subject to confidentiality obligations
Any third parties receiving personal information are required to protect such information and use it only for authorized purposes.
5. Data Security
We employ appropriate administrative, technical, and physical safeguards to protect customer information, including:
• Encryption of sensitive data
• Secure communication channels
• Multi-factor authentication
• Access controls and monitoring
• Fraud detection and prevention systems
• Regular security reviews and audits
While we take reasonable measures to protect your information, no electronic system is completely secure.
6. Data Retention
We retain personal information only for as long as necessary to:
• Provide banking services
• Fulfill contractual obligations
• Comply with regulatory and legal requirements
• Resolve disputes and enforce agreements
When information is no longer required, it is securely deleted or anonymized in accordance with applicable laws and internal policies.
7. Your Rights
Subject to applicable laws, you may have the right to:
• Request access to your personal information
• Request correction of inaccurate information
• Request updating of incomplete information
• Object to certain processing activities where permitted by law
• Withdraw consent where processing is based on consent
Requests may be submitted through the Bank's customer service channels.
8. Cookies and Similar Technologies
Our website and digital platforms may use cookies and similar technologies to:
• Improve functionality
• Maintain secure sessions
• Analyze website usage
• Enhance customer experience
Users may modify browser settings to manage cookie preferences.
9. Children's Privacy
Our mobile banking services are not intended for children under the age permitted by law to independently maintain banking relationships. We do not knowingly collect personal information from children without appropriate authorization.
10. Third-Party Services
The Mobile Banking App may contain links or integrations with third-party websites or services. Juaben Community Bank PLC is not responsible for the privacy practices of those third parties. Users are encouraged to review the privacy policies of such providers.
11. Changes to This Privacy Policy
Juaben Community Bank PLC may update this Privacy Policy periodically to reflect changes in our services, legal requirements, or security practices.
Updated versions will be posted within the Mobile Banking App and on the Bank's website. Continued use of the App after any update constitutes acceptance of the revised Privacy Policy.
12. Contact Us
For questions regarding this Privacy Policy or the handling of your personal information, please contact:
Data Protection Officer
Juaben Community Bank PLC
Head Office, Juaben,
Ashanti Region, Ghana
Tel: 0271464327
Email: info@juabenruralbank.com
Website: https://www.juabencommunitybank.com