Privacy policy
How we collect, use, and protect your information at FBC Ghana.
Last updated: June 2026
Who we are
FBC Ghana is a member-owned cooperative financial institution. We collect and process member data in the course of operating savings, loans, and related services.
What we collect
When you apply for membership or use our services, we collect:
- Identity information (name, date of birth, national ID number)
- Contact details (email, phone, postal address)
- Financial information (income, savings balance, loan history, transactions)
- Technical data when you use the member portal (device, browser, IP address)
- Information you provide through forms (contact messages, KYC documents, beneficiaries)
How we use it
We use member data only for:
- Operating your accounts and processing your transactions
- Verifying your identity (KYC) as required by cooperative regulation
- Communicating about your account (transaction confirmations, statement availability, FD maturity reminders)
- Improving our services based on aggregate usage patterns
- Meeting regulatory reporting obligations
We do not sell or rent your personal information to third parties.
Who has access
Member data is accessible only to:
- Authorised staff members, on a need-to-know basis
- Our external auditors during the annual audit
- Regulators in response to lawful requests
- Service providers (e.g. SMS/email gateways, mobile-money processors) under written confidentiality terms
How long we keep it
We retain member records for as long as you have an account with us, plus the period required by law for closed accounts (typically 7 years for transaction records). Audit logs and regulatory records are retained per their respective retention schedules.
Your rights
You can:
- Request a copy of the data we hold about you
- Correct inaccurate information through the member portal or your branch
- Withdraw consent for marketing communications via the notification preferences page
- Close your account by submitting a closure request (your record is retained per the retention period above)
Security
We protect member data with encryption in transit, role-based access controls, audit logging of all administrative actions, and two-factor authentication for high-value operations. We follow industry-standard security practices for a regulated financial institution.
Cookies
Our website uses essential cookies to operate (e.g. keeping you logged in). We do not use third-party advertising or tracking cookies. See our Cookie policy for details.
Changes to this policy
We may update this policy as regulations evolve or our services change. Material changes will be announced via the news section and on the member portal.
Contact
Questions about how we handle your data? Reach us via the contact form or visit any branch.