We work hard to protect your information.
We take our responsibility to protect the privacy and confidentiality of your information, including personal information, very seriously. We maintain physical, electronic and procedural safeguards that comply with applicable legal standards to secure such information from unauthorised access and use, accidental or unlawful alteration and destruction, and other unlawful or unauthorised forms of Processing. We hold our employees accountable for complying with relevant policies, procedures, rules and regulations concerning the privacy and confidentiality of information.
We want you to understand the type of information we collect and how we use it.
- The types of personal information we collect from you when you visit or use our online services include your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a ECIB office near you), user name and password. We may also collect payment card information, NRICs, driver’s license numbers (or comparable), gender, race, nationality, and biometric identifiers when you provide it directly to us while using our online services and where we believe it is reasonably required for ordinary business purposes. In some instances, we create personal information about you, such as records of your interactions with us, and details of your accounts. We do not seek to collect or process sensitive personal information unless it is required or permitted by law; necessary for the detection or prevention of crime; necessary to establish, exercise or defend legal rights; or we have your prior explicit consent.
- We use and otherwise process the information we collect from you to help us deliver our online services; to administer, evaluate and improve our business (including developing new products and services, improving existing products and services, performing data analytics and other research tasks, communicating with you via any means, and performing accounting, auditing and other internal functions); manage our risks; to market our services and products; and to comply with and enforce applicable laws and regulations, relevant industry standards, contractual obligations and our policies. We also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individuals or clients) for various business purposes, where permissible under applicable laws and regulations.
We aim to collect only what we need, keep it up-to-date and remove it when we no longer need it
- We take reasonable steps to ensure that the personal information we process is limited to what we require in connection with the purposes set out in this Policy; it is accurate and, where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time we may ask you to confirm the accuracy of your personal information.
- For some of our online services, you can review or update certain account information by logging in and accessing the “Client Center” or a similar user profile section. If you cannot change the incorrect information online, or you prefer to request changes offline, please contact your ECIB representative using the contact information listed on your account statements, records, or other account materials.
- We will retain copies in a form that permits identification for as long as we deem necessary in connection with the purposes set out in this Policy, unless applicable law requires a longer retention period. In particular, we will retain personal information for as long as it is needed to establish, exercise or defend any legal rights.
We respect and protect your privacy even when you’re on the go.
- For your convenience, ECIB offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites. When you interact with us through your mobile device, we collect information such as unique device identifiers, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We typically ask your permission before collecting certain information such as precise geolocation information.
We share personal information with affiliates and with others when we believe it will enhance the services and products we can provide to you or for legal and routine business reasons.
- We share personal information among our affiliates and business units when we believe it will enhance the services we can provide, but only in circumstances where such sharing conforms to law, any applicable confidentiality agreements, and our policies and practices. Additionally, we reserve the right to share your personal information in connection with a corporate change including a merger, acquisition or sale of all or any relevant portion of our business or assets.
- We disclose information we have about you as required or permitted by law. For example, we share information with regulatory authorities and law enforcement officials when we believe in good faith that such disclosure is necessary to comply with legal requirements.
- From time to time, we enter into agreements with other companies to provide services to us, or to make services and products available to you. If these companies receive your personal information, they are required to safeguard it and only use it for those purposes we specify.
- ECIB believes that keeping your information secure and private is important, particularly when using third-party websites and applications that can help you invest or manage your finances. In partnering with Intuit, which provides the aggregation service Mint, ECIB has taken measures to keep your logon information secure and private. When you are prompted to provide your ECIB user ID and password to Mint, you will be entering your information directly into a ECIB protected site. Mint will not see or be able to store your user ID and password, and will only require a single logon for all of your devices and browsers to work.
- We can share your personal information with any person or entity if we have your consent to do so.
We transmit, transfer or process information to, or through, other countries in the world, as we deem necessary, appropriate or consistent with legal or regulatory obligations.
- Where required, we comply with applicable legal frameworks relating to the transfer of personal information. For example, under the European rules designed to adequately protect personal information transferred outside the European Economic Area we transfer personal information on the basis of determinations by the European Commission that certain countries adequately protect personal information, our Binding Corporate Rules, approved Model Contractual Clauses, and other valid transfer mechanisms.
We respect your rights concerning the processing of personal information and provide you with relevant and appropriate choices.
We respect your decisions about the collection of personal information related to your online activities over time and across different websites for advertising purposes.
- ECIB does not allow unaffiliated third parties to collect personal information about your online activities when you visit our online services. Nor do we use personal information collected across non-affiliated websites for the purpose of serving you advertising related to your browsing behavior. If we engage in this practice in the future, we will provide appropriate notice and choice so that you can opt-out of the practice.
We tell you when our privacy policies and practices change.
We want to hear from you if you have questions.
- If you would like to contact the ECIB Data Protection Officer, please send an email to firstname.lastname@example.org
Last updated: April 25, 2020