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How we collect your personal information

Whenever you use this website, complete an application form, contact us electronically, or use one of the services or facilities offered by us or any affiliate party, we will collect your personal information.

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Why and how we collect and use personal information

In order to make your use of this website and all products and services offered on this website as successful and pleasurable as possible, it is necessary for us to find out exactly what you need and want from us. The following are reasons why we would collect your personal information:

  • To identify you;
  • In order for us to process your instructions or requests;
  • In order for us to ensure that we meet your needs, we may collect and analyse your personal information and combine all the information that we have about you to compile a profile of you in order for us to personalise and tailor our services to meet your specific needs;
  • Once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of an affiliate party, and if you indicate that you would like more details, we may inform the affiliate party to contact you directly. We will however, only inform an affiliate party to contact you directly if you have indicated that this is agreeable to you.

Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.

If at any stage, after you have given us your consent, you no longer wish us to use or share your personal information with an affiliate party; you may at any stage withdraw your consent.

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Protection of your personal information

We value the information that you choose to provide us with and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our customers is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.

When you use the services or facilities provided by us, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your user name, access card, password and/or personal identification number ("PIN").

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Correction of personal information

If you ever want to update or correct any of your personal information held by us, kindly contact the Service Suite on 087 730 6010 for South Africa +27 11 369 1500 for South Africa international +443 303 500213 for the UK Alternatively, you can update and correct your information yourself by logging onto Internet Banking.

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Personal information held by or disclosed by you to a third party

If you ever want to update or correct any of your personal information held by us, kindly contact the Service Suite on 087 730 6010 for South Africa +27 11 369 1500 for South Africa international +443 303 500213 for the UK Alternatively, you can update and correct your information yourself by logging onto Internet Banking.

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Cookies

You agree that we shall be entitled to send "cookies" from this website to your computer. We use the word "cookie" to refer to information that is sent from this website to your hard drive, where it is saved and contains information to personalise your experience on this website. In this way, the next time you use this website we will know who you are and that you have visited this website before.

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What this is

This Privacy Notice governs the manner in which First National Bank Channel Islands ('we', 'our', the 'Bank') treats your personal information collected electronically when you use our website (which can be found at www.fnbci.co.uk), apply online for certain products and services, contact us electronically or register for one of the services offered on the website.

We respect your privacy and your personal information and for this reason, we take all reasonable measures, in accordance with this Notice, to protect your personal information and to keep it confidential, even when you are no longer our customer.

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Information disclosure

We subscribe to the following principles in relation to the personal information we hold

  • We will only collect, disclose, collate, process and store ('use') your personal information with your express written permission unless legally required to do so, and will only use such information for the lawful purpose for which it is required.
  • We will disclose in writing, the specific purpose for which we use, request and store your personal information. We will also keep a record of that personal information and the specific purpose for which we collect it.
  • We will not use your personal information for any other purpose, other than that which we disclosed to you, unless you give us your express written permission to do so, or unless we are permitted to do so by law.

Further to the above, we will disclose your personal information without your consent:

  • If we are required to do so by law or a court order
  • If disclosure is in the public interest
  • If disclosure is in the Bank's interest
  • With your implied consent

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Children

FNB takes the privacy of children very seriously. Children should obtain their guardian's consent before providing / submitting any personal information about themselves on the FNB Channel Islands website.

FNB Channel Islands will not require children to provide any personal information other than that which is reasonably necessary to use the FNB Channel Islands website.

If FNB Channel Islands determines that a user is a child, FNB Channel Islands will not use or maintain his/her personal information without the guardian's consent.

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Confidentiality + security

FNB Channel Islands has physical, technological and procedural security safeguards in place and will use its best endeavours to protect your personal information. What is personal information?

Personal information refers to information that identifies or relates specifically to you, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. Any information about what you buy, where you shop, where you bank, how you invest and all related information will also be regarded as personal information. In short, any information that we know about you will be regarded as your personal information.

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Changes to this Privacy Notice

We reserve the right, in our sole discretion to amend (including without limitation, by the addition of new terms and conditions) this Privacy Notice from time to time. You agree to review the Privacy Notice whenever you visit this website for any such amendments. Save as expressly provided to the contrary in this Privacy Notice, the amended version of the Privacy Notice shall supersede and replace all previous versions thereof.

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Changes to Privacy Notice

Which laws apply?

This Privacy Notice will be governed by and construed and interpreted in accordance with the laws of South Africa and Guernsey.

To the extent that a court has jurisdiction over any dispute which may arise out of or in connection with this Privacy Notice, we both submit to the jurisdiction of the South African or Guernsey courts.

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When will the group use Cookies?

The group will only process cookies which identify users for lawful purposes:

  • if a user has consented thereto;
  • if a person legally authorised by the user, the law or a court, has consented thereto on the user's behalf;
  • if it is necessary to conclude or perform under a contract that the group has with the user;
  • if the law requires or permits it;
  • if it is required to protect or pursue the user's, the group's or a third party's legitimate interest (e.g. for fraud prevention); or
  • if the user is a child and a competent person (like a parent) has consented thereto on the child's behalf.

The group may use cookies for reasons including but not limited to:

  • fraud, financial crime and other crime prevention, detection or reporting;
  • managing and improving security for the group and users (for example to prevent fraudulent use of login details);
  • various analytical reasons, e.g. how group websites are used so that improvements can be made;
  • marketing and advertising, for example to decide which solutions (goods, products, services or rewards) users may be interested in and to customise marketing on various applications and websites; and/or
  • recognition of users of group websites, or devices which return to group websites.

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Which Cookies can be found on FirstRand Group websites?

First- and third-party cookies refer to the website or domain using the cookie. Cookies are set by the website that the user is visiting.

First-party cookies
First-party cookies are directly stored by the website (or domain) visited by a user. These cookies allow website owners to collect analytics, data, remember language settings or perform other useful functions that provide a good user experience.

Third-party cookies
Third-party cookies are created by domains separate/different from the website (or domain) that the user is visiting. These cookies are usually used for online advertising, cross-site tracking; and are accessible on any website that loads the third party's server code, e.g. when a user visits a site and clicks a "like" button, this could be stored in a cookie and, upon visiting the third-party site, the cookie will be used to action the request.

For example, a user browses online for a specific product, finds an advert of interest, clicks the advert and thereafter closes their browser. Several hours later, the user notices advertising of the same product that they were browsing for earlier.

When a user visits a group website, the group may include any of the cookies listed in the table below. The table explains what the cookies are used for and the time period for which the cookie could remain valid. Where cookies are only valid for a single session, the cookie will be erased when the user closes their browser. Where cookies persist, the cookie will be stored by the user's browser until deleted by the user.

Origin Use Service Duration
First-party cookies Browser/device identification Enable the group to identify the device/browser. Persist beyond a single session.
Authentication Upon logging into a web server, a cookie will be returned that identifies the user has been successfully logged in. Only valid for the single session.
First- and third-party cookies Analytics To collect information about how visitors, use group websites. This can provide the group with insight on website performance and metrics. Persist beyond a single session.
Third-party cookies Marketing and other Used for tracking and online advertising purposes. Persist beyond a single session.
Option Description
HTTPS Makes a cookie secure by ensuring it is only sent over HTTPS protocol. This prevents attackers from secretly extracting it.
Same-site cookie Makes the cookie secure by limiting the sites to which the cookie is allowed to be sent.
Expiry Sets the duration a cookie will last for before it expires.
Secure Makes a cookie secure by ensuring it is only sent over a securely encrypted channel.
Path Helps to protect a cookie by restricting the location where it is allowed to be sent.

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What is a Cookie?

A cookie is a small piece of data that is sent (usually in the form of a text file) from a website to the user's device, such as a computer, smartphone or tablet. The purpose of a cookie is to provide a reliable mechanism to "remember" user behaviour (keeping track of previous actions), e.g. remembering the contents of an online shopping cart, and actions the user performed whilst browsing when not signed up or logged into their online account.

The group does not necessarily know the identity of the user of the device but does see the behaviour recorded on the device. Multiple users of the same device would not necessarily be distinguishable from one another.

Cookies could, however, be used to identify the device and, if the device is linked to a specific user, the user would also be identifiable. For example, a device registered to an app (FNB, WesBank, RMB, etc.).

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What happens if a user does not want Cookies?

All browsers allow users to refuse to accept cookies and to remove current cookies. The methods for doing so vary between different browsers and versions. Users can block cookies on group websites, if desired. Blocking certain cookies may have a negative impact upon the usability of group websites. For example, the group requires cookies to allow users to log in. By removing first-party cookies, a user's banking experience may be affected.

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Further information about Cookies

  • Users' browsers store cookies and group websites cannot access any data on a user's device.
  • As cookies are stored in text files, they cannot be used to distribute viruses to a device.
  • On a single device with multiple users; the experience of group websites would be customised based onthe behaviour of all users using the device and not just an individual user.
  • If users disable cookies, previous cookies collected will not be deleted, however, this will prevent the creation of new cookies. Expired cookies will be removed automatically.

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What happens if you disable your cookie functionality?

Clearing or disabling cookies may limit your banking functionality.

You can limit the collection of your information by disabling cookies on your browser. You may also be able to modify your browser settings to require your permission each time a site attempts to set a cookie.

However, our website(s) (and many other websites) rely on cookies to enable certain functionality. If you choose to disable cookies, some of the services available on our website may not work properly.

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What are cookies?

A cookie is a small text file stored on your device by the website you are visiting. It helps the website to remember information about your device and how you use the website.

We use this information to make your visit to our site as easy and useful as possible.

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Types of cookies we use

There are two main types of cookies:

Session cookies
When you close your browser, some cookies are deleted. These are called session cookies.

Persistent cookies
Other cookies are stored on your device until they expire or you choose to delete them. They are called persistent cookies. These cookies are sent back to us each time you visit our site.

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What we use cookies for

We use cookies for session management, user device identification and classification, traffic routing, and analytics.

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Is your personal information at risk?

No, we will never save any personal information, including login details or other personal information on your computer.

Privacy Notice

Respecting your privacy

The Privacy Notice governs the manner in which the bank treats your personal information collected electronically when you use our website.

Cookie Notice

What is a Cookie?

Which Cookies can be found on FirstRand Group websites?

When will the group use Cookies?

What happens if a user does not want Cookies?

Further information about Cookies

View Cookie Notice

Changes to Privacy Notice

Notice kept up to date to guard your privacy

Changes to this Privacy Notice

We reserve the right, in our sole discretion to amend (including without limitation, by the addition of new terms and conditions) this Privacy Notice from time to time. You agree to review the Privacy Notice whenever you visit this website for any such amendments. Save as expressly provided to the contrary in this Privacy Notice, the amended version of the Privacy Notice shall supersede and replace all previous versions thereof.

Which laws apply?

FirstRand Bank Limited Guernsey Branch trading as FNB Channel Islands is regulated by The Guernsey Financial
Services Commissionand licensed under The Banking Supervision (Bailiwick of Guernsey) Law, 2020