ZNBS

Privacy Policy

ZNBS Data Protection and Privacy Policy Statement

Thank you for choosing our Digital Platforms. This Privacy Policy Statement outlines the information Zambia National Building Society (ZNBS) collects, how it is used and the choices you have concerning your information. By using the ZNBS Digital Platforms, you agree to the terms of this Privacy Policy Statement. ZNBS is committed to protecting the integrity, confidentiality, and security of all company data, including personal data, regardless of its source, ownership, or storage medium.

Privacy statement

ZNBS, as your data collector, controller, and processor, is committed to complying with national and international data protection laws and regulations in safeguarding the privacy, confidentiality, and trust of the data subjects and the security of all data.

Personal Data comprises all the details that ZNBS holds or collects about you, directly or indirectly, including your name, identification number, location data, transactions, financial information, interactions and dealings with ZNBS. This includes information received from third parties, collected using ZNBS website, cookies and the ZNBS electronic banking services.

This policy statement, together with ZNBS Terms and Conditions for ZNBS Accounts, sets out the basis on which any Personal Data ZNBS collects from you, or that you provide to ZNBS online or offline, will be processed by ZNBS. Please read the following carefully to understand ZNBS views and practices regarding your Personal Data and how ZNBS will treat it. ZNBS will process all your Personal Data strictly for the intended purpose, and in accordance with applicable Data Protection laws and international best practices around Data Protection.

1. Purposes for which ZNBS may process your Personal Data

Data processing includes any operation or set of operations performed on Personal Data, whether by automated means, including collection, recording, storage, use, copying, and transfer. ZNBS will collect and process your Personal Data for purposes including:

  • Complying with legal and regulatory requirements and conditions set as mandatory for the conduct of banking business in Zambia and internationally.
  • Establishing and maintaining the contractual relationship between ZNBS and yourself.
  • Enabling ZNBS to provide a wide range of banking services to you.
  • Developing, testing, and improving banking products and services.
  • Disclosing and obtaining information from Credit Reference Bureaus regarding your credit history.
  • Operational purposes.
  • Protecting the legitimate interests of ZNBS.

2. Sharing of personally identifiable information

Please note that ZNBS may share your Personal Data as required by law or by order of any competent court or (semi-) governmental authority or in matters of public safety or policy. Under strict conditions of confidentiality, ZNBS may share your Personal Data with ZNBS agents and ZNBS contractors who may use it on ZNBS’s behalf or in connection with the furtherance of the contractual relationship with ZNBS to enable ZNBS provide banking services to you.

3. Your rights

Subject to legal and contractual exceptions, you have the following rights to your Personal Data under the terms of applicable laws:

  • Right to be informed: To be informed about the collection and use of your Personal Data.
  • Right to access: To request access to and obtain a copy of your Personal Data. ZNBS may be allowed by law to charge a fee for this.
  • Right to erasure: To request ZNBS to delete your Personal Data if ZNBS no longer have a valid reason to retain and process, subject to all applicable laws.
  • Right to rectification: To request that ZNBS correct your Personal Data. This can be done at your branch or through your relationship manager.
  • Right to object: To object to processing of your Personal Data in certain circumstances.
  • Right to data portability: To request a copy of your Personal Data in a machine-readable format.
  • Right to restriction of processing: To restrict processing of your Personal Data in well-defined circumstances. If you have any concerns about how ZNBS processes your Personal Data, you can discuss this at your branch or with your Relationship Manager.

The rights stated above may be exercised with reasonable frequency and without undue delay at your branch or through your Relationship Manager.

4. Information ZNBS receives

ZNBS collects certain information from and about ZNBS visitors in the following ways:

4.1. Personal information

ZNBS may collect the following personal information:

  • User information: Information provided during account creation, including name, email address, phone number, and other relevant details.
  • Financial information: Information related to your transactions, account balances, and other financial activities within the app.
  • Identification information: Government-issued identification details for identity verification.

4.2. Non-personal information

ZNBS may collect non-personal information, including:

  • Device information: Information about your mobile device, such as device type, operating system, and unique device identifiers.
  • Usage information: Information about how you use our app, including pages visited, features used, and interactions with the app.

4.3. How ZNBS uses your information

ZNBS uses the collected information for the following purposes:

  • Account management: To create and manage user accounts, process transactions, and provide customer support.
  • Personalization: To personalize your experience and deliver content relevant to your preferences.
  • Security: To protect against fraud, unauthorized access, and other security risks.
  • Analytics: To analyze user behavior and improve our app’s functionality and user experience.

4.4. Information sharing

We may share your information in the following circumstances:

  • Service providers: With third-party service providers that assist us in delivering our services.
  • Legal compliance: To comply with applicable laws, regulations, or legal requests.
  • User consent: With your consent or as otherwise disclosed at the time of data collection.

4.5. Security

ZNBS employs industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, and destruction. ZNBS does not disclose any information about any subscriber’s usage of Digital Platforms except in specific cases, and ZNBS does not share information with any unaffiliated third parties for marketing purposes unless you expressly give ZNBS permission to do so.

4.6. Your choices

You have the following choices regarding your information:

  • Account information: You can review and update your account information within the app.
  • Communication preferences: You can manage your communication preferences in the app settings.

5. Information supplied by you

Any information submitted to ZNBS during a support issue will only be made available to ZNBS.

6. Where ZNBS stores your data

The security of your Personal Data is important to ZNBS; therefore, ZNBS will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with ZNBS Data Protection and Privacy Policy, international best practices relating to Data Protection and the applicable Data Protection Laws.

All Personal Data you provide to ZNBS is stored on ZNBS secure servers. You are responsible for keeping this password confidential. ZNBS will never ask you to share any of your Passwords and you are requested not to share any password with anyone.

7. Retention

ZNBS will retain your Personal Data and Banking records for a minimum period of 10 years, as required by the Law.

8. Updates to the policy statement

It is our policy to post any changes ZNBS makes to the Data Protection and Privacy Policy on this page. You are advised to visit this site regularly to check for any amendments. Changes to this policy become effective when published and will come into effect immediately.

ZNBS may update this Privacy Policy from time to time. The latest version will also be made available within our Electronic Banking applications.

9. Contact us

If you have any queries or concerns about the processing of your Personal Data that is available with ZNBS, please discuss this with your branch or relationship manager or you may send an email to info@znbs.co.zm. ZNBS will address your concerns in accordance with ZNBS Data Protection and Privacy Policy, applicable law and international best practice relating to Data Protection.