Paris Branch

Privacy Policy

The Access Bank UK Ltd Paris Branch – Privacy Statement 

This Privacy Statement explains how The Access Bank UK Ltd Paris Branch obtains, uses and keeps your personal information confidential.

The Access Bank UK Ltd Paris Branch may act as the ‘data controller’ of the personal information you provide to us, for purposes of the General Data Protection Regulation (GDPR).  Our company registration number is 911249589 and the registered address is 25 rue du 4 septembre 75002 Paris.

If you have any questions about our Privacy Statement, you can write to: The Data Protection Officer Paris Branch, The Access Bank UK Ltd, 25 rue du 4 septembre 75002 Paris or email dpo@theaccessbankukltd.fr

How is your personal data collected:

The type of personal data we collect about you and how it is used depends on what contract you have with us, the needs, the relationship you have with us and the products and services you hold or enquire about.

The categories of personal data we collect:

We will collect and record your data from a variety of sources; however, we rely mostly on this information coming directly from yourself. We will collect and process this data in order to provide our products and services which include:

  • Personal details – including name, date of birth, passport, and identification information.
  • Contact details – including phone number, email address, postal address.
  • Financial details – including account information, financial history, credit reference agencies, fraud prevention agencies.
  • Proof of income – including bank statements.
  • Business customer details – including business information, contact details, shareholdings
  • Details of transactions – including payments you make and receive
  • Financial information – including account numbers, information you provide for the purposes of providing a payment-initiation service (a service that allows a third party to give us instructions to make payments from your account on your behalf).
 
 

Why do we collect this data: 

We can only use your personal information if we have a proper reason to do so and to comply with legal and regulatory requirements imposed on us by each jurisdiction, or for legitimate reasons. A legitimate reason occurs when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you.

  • Know your customer activities, including anti-money laundering checks
  • Holding customer banking and financial relationships
  • Administering our products and services
  • Transaction and instruction customer processing
  • The prevention and investigation of financial crimes
  • Management of any legal disputes
  • Compliance related activities, for example regulatory, tax reporting obligations
  • Improving our services through research and statistical analysis
 
 
The main reason we collect this data is to complete the services you have entered a contract with us for. Without knowing any of this information, we would be unable to fulfil our legal and regulatory obligations, therefore it is essential that we collect this information.
 
We will not ask for more personal data than we need. Once we have collected the information we need, we will not use it for anything else unless you have been informed and consent has been obtained.
 
We also use your data to develop and improve our services to you and other customers, to ensure that the products/services that we offer continue to provide good customer outcomes, and to protect our interests.
 
 

Personal information and the law

As noted above, we can only use your personal information if we have a proper reason to do so. This includes sharing it outside The Access Bank UK Ltd Paris Branch. The law stipulates we must have one or more of the following legal reasons:

  • To fulfil a contract that we hold with you, or a contract you are applying to enter into; or
  • When we have a legal or regulatory obligation, or
  • When it is for legitimate reasons, or
  • When you consent to it.
 
 

The table below lists all the ways that we may use your personal information, and the lawful basis on which we do so.

How we use your personal informationOur legitimate reasons
• In order to manage our relationship with you;
• Updating and improving the accuracy of our records;
• Account Transaction analysis;
• Processing Payments;
• Arrears and Debt recovery activities;
• Fulfilling contracts
• Our legitimate Interests
• Our legal obligation
• Your consent
• Fulfilling regulatory obligations
• In order to develop our business and the products and services that we offer;
• In assessing existing and new products;
• Managing our product delivery;
• During the application of fees and charges and interest to customer accounts, where applicable;
• Our legitimate interests
• Our legal obligation
• In respect of the work that we undertake to protect the Bank from financial crime and terrorism financing, and effectively assess and mitigate risk to the Bank and our customers;
• Fraud prevention and investigation.
• Our legal obligation
• Fulfilling regulatory obligations
• While managing all aspects of our business including corporate governance and audit processes;
• In respect of our rights and obligations in agreements or contracts that we hold.
• Fulfilling regulatory obligations
• Fulfilling contracts
• Our legal obligation

Categories of personal information

Category of personal informationDescription
Financial and TransactionalThe financial information that we hold for you as a customer of the Bank, including your financial position and status, and details about transactional activity on the accounts that you hold with us.
Special Category Personal DataWe will only use data that is classed as ‘sensitive’ in order to support you, for example if you are, or become, a vulnerable customer. For example, data concerning your health. Such information will only be collected and used when it is needed to help and provide personal additional support to you in respect of the product and/or services provided by the Bank, or to comply with our legal obligations. In this instance, a temporary note may be added to your record in order to ensure that staff members are aware that you may require extra support.
Core personal information including social relationshipsThis refers to information that we hold in respect of your address and contact information, national identifiers such as National Insurance and Tax identification numbers.
Demographic informationThis refers to information that we hold in respect of your nationality.
Usage and contractual informationThis information relates to the way in which you use our products and services that we provide to you.
Location and technical informationInformation that we obtain about your location, for example in respect of your usage of our website through your internet connection and the technology that you use.
CommunicationsThe information you provide to us in any medium, for example your communications by telephone, letter and email, noting that we record telephone calls to confirm details of our conversations, for your protection and in order to identify and address staff training needs.
Information in the public domainInformation about you that is available in the public domain from all available sources including the internet.
Documentary informationInformation about you in documents such as your Passport or utility bills that you provide to us, whether original or copy documents.
ConsentsAny permissions, consents, or preferences that you provide to us.

Information we collect

  • Payment and transactional information.
  • Data we obtain from the way in which you use our online banking and telephone banking services. For example, your personal profile and how you identify yourself when you connect to these services and other information about how you use these services. We use cookies to collect this type of information from devices you use to connect to our services, such as computers.
 
 

Information and third parties:

We may obtain information about you from third parties, these include:

  • Credit reference agencies
  • Fraud prevention agencies or other organisations, when you apply for an account or any other product or service, or which you or they give to us at any other time;
  • Introducers
  • Land agents
  • Public information sources, for example Infogreffe.
  • Government and law enforcement agencies.
 
 
We may provide information about you or share your personal information with third parties, for legitimate business reasons, in accordance with applicable law. This may include disclosing your personal information to:
 
 
  • You  and your representatives
  • Social & Tax Authorities as well as Customs
  • Our regulators and other competent authorities
  • Statutory bodies such as Fonds de Garantie des Dépôts et de Résolution (FGDR) – applies in France
  • Credit reference agencies
  • Fraud and crime prevention agencies
  • Introducers who have introduced you to us
  • Companies or individuals that you ask us to share your personal information with
  • Any third party to whom we transfer or may transfer our rights and obligations as a result of any restructure, sale or acquisition of any company, provided that your information is used for the same purposes as it was originally supplied to us and/or used by us.
  • We may also give out information about you if we have a duty to do so, for example, to any relevant party for the purposes of prevention, investigation, detection or prosecution of financial crime or if the law allows us to do so.
 
 

We will only conduct information sharing activity with a third party if they agree to keep your information safe and confidential.

Transfer of personal information overseas

If we transfer your personal information to a person, office, branch, or organisation located outside of France or the EEA, we will make sure that they agree to apply the same levels of protection and is in line with applicable legal requirements, and to use your information strictly in accordance with our instructions. We would only share your personal information outside of France or the EEA:

We would only share your personal information outside of the UK or the EEA:

  • If you have explicitly consented to the transfer;
  • If the transfer is necessary for the performance of a contract between you and the Bank or in order to enter into a contract at your request;
  • In order to comply with a legal duty;
  • To protect the vital interest of you, or another, where you are physically or legally incapable of providing consent;
 

If we do transfer your personal information to a person, office, branch or organisation outside of France or the EEA, we will ensure that it is protected in line with the applicable legal requirements by using one of the following safeguards:

  • Transfer it to a country which has privacy laws that give the equivalent required protections;
  • Ensure there is a legally binding contract between the Bank and the recipient of the personal information requiring the same level of protection of your information.
 

Automated decisions and personal information

The Bank does not use your personal information to conduct automatic ‘profiling’ decisions. However, we do use third party organisations who use automated ‘decision’ making in relation to identification checks only, as part of the account opening process. You have the right to object to an automated ‘decision’, and ask that a person reviews it.

Some of the personal information we hold – or are allowed to obtain from others – about you may be used to assist us in our decision-making process. For example:

Account opening

The Bank will use the information you have provided to ensure that the product or service is relevant and meets the conditions needed to open the account.

Identifying fraudulent activity

The Bank has in place systems and controls to prevent fraud, money laundering and terrorism financing, and we may use your personal information to decide if your account is being used for these purposes. If we think the account is being used to facilitate such offences, we may block the account and refuse access to it.

Credit Reference Agencies (CRAs)

We may use Credit Reference Agencies (CRAs) for prospective and existing customers of the Bank. We conduct identity checks when you apply for a product or services for you or your business. Where we are unable to verify your identity by this means, we will ask you to provide physical forms of identification and may contact you in this respect.

We may share your personal information with CRAs and they may provide us with information about you, including:

  • Personal details including name, address, and date of birth
  • Credit status
  • Details of credit you may hold with a joint account holder
  • Financial information and history
  • Information sourced from the public domain such as Infogreffe.
 
 

Such information may be used for the following purposes:

  • Check details on applications and meet our regulatory requirements to fully identify our customers;
  • For the prevention of fraud, financial crime and counter terrorism offences;
  • Recovery of debts owed to the Bank;
  • Check details of job applicants and employees;
 
 

Information held about you by a CRA may already be linked to records relating to your partner or members of your household where a financial ‘association’ has been created.  Any enquiry we make at a CRA may be assessed with reference to any ‘associated’ records.  Another person’s record will be ‘associated’ with yours when:

  • You make a joint application;
  • You advise us of a financial association with another person;
  • The CRA have existing, linked, or ‘associated’ records.  This ‘association’ will be taken into account in all future applications by either or both of you and shall continue until one of you applies to the CRA and is successful in filing a ‘disassociation’.
 
 
 

If you choose not to give personal information

As already stated in this statement, we may collect personal information on several bases including with your consent, for our legitimate reasons, due to legal or regulatory obligations, or under the terms of a contract we have with you. If you choose not to provide us personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services needed to run your accounts. It may also result in the cancellation of a product or service you hold with us.

Should any information collection be considered optional, we would specify this clearly from the outset.

Records and retention of personal information

The Bank will store all personal information as securely as possible, in a confidential manner.

We will only retain your personal information for as long as you are a customer of The Access Bank UK Ltd Paris Branch or otherwise for a limited period of time as long as necessary to fulfil the purposes for which we have initially collected it, unless otherwise required for legal, regulatory or fraud prevention purposes.

After account closure, or if your application has been declined or not progressed for any reason, we may retain information about you for up to 10 years where necessary for one of the following reasons:

  • To respond to any information requests or complaints.
  • To maintain records according to regulations or legal requirements that apply to us.
 
 

We may keep your information for longer than 10 years if we are prevented from deleting it for the above mentioned legal, regulatory and fraud prevention reasons.

If we have not contacted you during this retention period, we will delete your personal information at the end of this period.

Your rights regarding your personal information

The right of access to your information that we hold:

Under the General Data Protection Regulation (GDPR) you have a right to see a copy of the information we hold on you.  You can ask for a copy of this information by making a Personal Information Request (PIR) to us.  This request can be made by email to dpo@theaccessbankukltd.fr or in writing to:

Data Protection Officer
The Access Bank UK Ltd Paris Branch
25 rue du 4 septembre 75002 Paris

Should you make such a request, the Bank will supply you with this information within one month of the request (extended for a further two months for complex/numerous requests in which case we will advise you of the extension within the one-month period).  We may charge you an administration fee (based on the administrative costs of providing the information) for this service, or refuse to respond, where a request is ‘manifestly unfounded or excessive’. If we refuse to respond, we will explain to you the reason why the request has been refused and inform you of your right to complain, within one month of the receipt of the request.

In cases where large amounts of personal information are processed by us about you, it is permissible under GDPR for us to ask you to specify the information to which the request relates.

The right to rectify inaccurate information:

If any information we hold for you is incorrect, you may request us to rectify this at any time by contacting us by email, telephone or in writing to the Data Protection Officer at the above address. Taking into account the purposes of the processing, you have the right to have incomplete personal information completed, including by means of providing a supplementary statement.

If we have disclosed such personal information to a third party, we will inform them of the rectification where possible and inform you of the third parties to whom the inaccurate or incomplete information has been disclosed, where appropriate.

The right to restrict or object to the processing of information:

You may ask us to restrict the processing of your personal information at any time, or you may object to our continued use of your information by contacting us by email, telephone or in writing to the Data Protection Officer at the above address. You may do this in the following circumstances:

  • Where you contest the accuracy of the personal information, we must restrict the processing until we have verified the accuracy of the personal information.
  • Where you have objected to the processing (where it was necessary for the performance of a public interest task or a purpose in our legitimate interests), and we are considering whether our legitimate interests override your own interests.
  • Where processing is unlawful and you oppose erasure and request restriction of processing instead.
  • Where we no longer need the personal information but you require the information to establish, exercise or defend a legal claim.
 
 

This does not affect any processing that has been carried out prior to your request being received. If you have requested or objected to processing of your personal information, this does not prevent us continuing to store the information.

Where we have disclosed personal information, we hold about you to a third party we will inform the third party of any restriction on the processing of that personal information.

We will inform you when we decide to lift a restriction on processing of personal information, we hold about you.

The right to information portability:

You may ask us to move, copy or transfer your personal information directly to another organisation if this is technically feasible to do so in a safe and secure way.  You can request this by contacting us by email, telephone or in writing to the Data Protection Officer at the above address.

The right to have your information erased:

Also known as the ‘right to be forgotten’ this allows you to request that we delete any or all personal information that we hold about you where there is no compelling reason for its continued processing, for one of the following reasons:

  • Where the personal information is no longer necessary in relation to the purpose it was originally collected/processed;
  • Where you withdraw consent;
  • Where you object to processing and there is no overriding legitimate interest for continuing to process the information;
  • Where the personal information was unlawfully processed (e.g., otherwise in breach of GDPR);
  • Where the personal information has to be erased to comply with a legal obligation; or
  • Where the personal information is processed in relation to the offer of information society services to a child
 
 

You make this request at any time by contacting us by email, telephone or in writing to the Data Protection Officer at the above address.

We can refuse to erase personal information we hold about you where it is processed for the following reasons:

  • To exercise the right of freedom of expression and information.
  • To comply with a legal obligation or for the performance of a public interest task or exercise of official authority.
  • For public health purposes in the public interest.
  • Archiving purposes in the public interest, scientific research, historical research or statistical purposes.
  • The exercise or defence of legal claims.
 
 

If we erase personal information we hold about you, we will inform any third parties about the erasure UNLESS it is impossible or involves disproportionate effort to do so.

The right to withdraw your consent:

You may withdraw your consent at any time. This will not affect any usage of your information carried out up until that point but would have immediate effect from when we receive your request.  Please contact us by phone, email or in writing to address above if you wish to do so.

If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.

Marketing

The Bank has made a policy decision that we will not send unsolicited marketing material to you. Should this position change we will write to you.

If you wish to make a complaint

If for any reason you are unhappy with our use of your personal information and you wish to lodge a complaint, please contact us by email, telephone or in writing to the Data Protection Officer at the above address.

If you want to make a complaint about protection of personal data, you can contact the CNIL through the website: https://www.cnil.fr/fr/plaintes or by letter:

Commission nationale de l’informatique et des libertés
Service des plaintes
3 Place de Fontenoy
TSA80715
75334 PARIS CEDEX 07

For any other matters, you can also contact the ACPR who will give you general information regarding the regulation and how to submit your complaint. You can send the ACPR a copy of the claim you addressed to our Bank electronically by: https://accueil.banque-france.fr/uti/#/accueil or by letter:

Banque de France
Demande ACPR
TSA 50120
75035 PARIS CEDEX 01.

Cookies

Information about how we use Cookies is provided on the Bank’s website at the following location: https://www.theaccessbankukltd.co.uk/cookies/

We use cookies to enable us to ensure that our website meets your needs – by continuing on this website you are consenting to our cookie policy.