At Demerara Bank, we remain committed to providing exceptional service while ensuring the security and privacy of your information. In this regard, we have set out below our terms and conditions relating to your privacy when utilizing our online services and communicating electronically with us.

Based on the information below, you will gather an understanding of the type of information obtained, who has access to the information, and how that information is used to enhance your customer experience.

It should be noted that this policy is applicable to every customer who visits, uses or interacts with our online services. We encourage you to review this policy periodically, as it may be updated from time to time. In the event there are significant changes to the policy, we will provide a prominent notice.

By using any of our online services, you have agreed to this policy and any future revision of it.

• The type of device being used to visit, use, view or interact with our online services, along with the browser and operating system;
• Website usage data, such as frequency of visits and services utilised;
• Any information obtained in the course of filing forms or in any application submitted online;
• Any other information provided by you through electronic means.

Any information obtained as it relates to your computer/browser/operating system shall be used to perform statistical studies on the use of the website and other online services. It does not personally identify the user for any purpose whatsoever, but it gives a general overview of customer activity and it helps us further develop the website, services we currently provide, and any future service.

Through the use of cookies and tracking technologies such as SEO tools enabled on your device, we can recognize your browser and capture relevant data. You have the option of disabling cookies via your browser or device settings; however, if you opt to do so, you acknowledge that certain features of the online services may become unavailable until such time as they are enabled.

We may also use the information to send you updates on services you currently utilise along with any general updates. These updates include any changes in policies, product changes or improvements, or any other information which may affect the services being offered to you. We may also use the information to highlight any new service/product which may be of benefit/use to you, based on your previous search history or use. The information obtained also assists in recognizing the user, therein providing security and a more personalized experience for our users.

This information may also become available to trusted third parties.

By using our online services, you understand that all information provided, including personal and financial, will be securely stored on our systems using the best industry-standard practices, encryption and controls. The information will be stored for as long as is necessary to fulfil our obligations to you and as required by law.

Note that we will take all reasonable steps to protect the interests of every user and the safety of the information; however, you acknowledge that we cannot guarantee complete security due to potential security breaches. It therefore means that any information given via electronic means is entirely at your own risk and you have the equal responsibility to ensure your device is equipped with security measures to protect against any breaches. You must also ensure that if you use a password to access our online services, you will ensure your password is updated regularly and is kept confidential.

The information provided will remain confidential and will not be disclosed unless:

• Required by law;
• Where the user provides approval or consent. Approval or consent may be given in various forms, including but not limited to: Clicking “OK”, “I Agree”, inserting your digital signature, or a similar option in response to an online message or prompt; verbally agreeing during a recorded call with the Bank’s contact centre; in writing; or providing written or electronic authorization through other secure channels;
• Required to detect, prevent or otherwise address fraud, security threats or similar issues;
• Required by a trusted third party under a strict confidentiality agreement, solely to provide services requested by the Bank.

Should you have any questions regarding this policy, please feel free to contact us.