1. We only collect personal information that we believe to be relevant and required to understand your financial needs and to conduct our business.
2. We use your personal information to provide you with better customer services and products.
3. We may pass your personal information to Premier Bank as permitted by law.
4. We will not disclose your personal information to any external organisation unless we have your consent or are required by law or have previously informed you.
5. We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
6. We aim to keep your personal information on our records accurate and up-to-date.
7. We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone, including our staff.
8. All Premier Bank , all our staff and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations.

By maintaining our commitment to these principles, we at Premier Bank will ensure that we respect the inherent trust that you place in us.

Your Privacy Matters to Us

This section provides specific details of how we treat any personal information you might wish to provide us when you visit this site.

Data Security

• Security is our top priority. The Premier Bank Limited ('the Bank') will strive at all times to ensure that your personal data will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.
  
• The secure area of our website supports the use of Secure Socket Layer (SSL) protocol and 128-encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the Internet.
  
• Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorized access. We will not send personal information to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send email to us using the secure email facility on our website.
  
• All practical steps will be taken to ensure that personal data will not be kept longer than necessary and that the Bank will comply with all statutory and regulatory requirements concerning the retention of personally identifiable information.

Collection of Personal Information

• Use of cookiesYour visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the setting on your browser. However, you will be unable to enter certain part(s) of our website, including online@Premier Bank.
  
• Marketing Promotions Occasionally we may collect personal information from visitors to this site and those individuals that participate in a contest or promotion (online or over the telephone, or at one of our branches). Such information is only collected from individuals who voluntarily provide us with their personal information. We may use this information to advise them of products, services and other marketing materials, which we think, may be of interest to them. We may also invite visitors to this site to participate in market research and surveys and other similar activities.

If we do ask you to provide personal information, we will always specify the purpose for which such personal information is collected and ensure that it is only used for the purpose specified at the time of collection.

Our Information Collection Statement

The Statement is intended to notify you why personal data is collected, how it will be used and to whom data access requests are to be addressed.

1. Why we collect your data - we collect your personal information to carry out and administer our services to you and in an effort to improve your customer experience. Without such data the Bank may be unable to open or continue accounts or establish or continue banking facilities or provide banking services.
2. Data is also collected from customers in the ordinary course of business to continue the banking relationship, for example, when customers write cheques or deposit money.
   
3. How your data may be used - Data relating to a customer may be used to:
   
   • Facilitate the daily operation of the services and credit facilities provided to customers;
     
   • conduct credit checks;
     
   • assist other financial institutions to conduct credit checks and collect debts;
     
   • ensure ongoing credit worthiness of customers;
     
   • design financial services or related products for customers' use;
     
   • market financial services or related products;
     
   • determine the amount of indebtedness owed to or by customers;
     
   • collect amounts outstanding from customers and those providing security for customers' obligations;
     
   • meet the disclosure requirements of any law binding on the Bank or any of its branches;
     
   • enable an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank's rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and
     
   • to fulfill any other purposes relating thereto.
   
   
4. Disclosure of your personal information - Information held by the Bank relating to a customer will be kept confidential but the Bank may provide such information to the following parties for the purposes set out in paragraph (c):
   
   • any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Bank in connection with the operation of its business;
     
   • any other person under a duty of confidentiality to the Bank including a group company of the Bank which has undertaken to keep such information confidential;
     
   • the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
     
   • credit reference agencies, and, in the event of default, to debt collection agencies;
     
   • any person to whom the Bank is under an obligation to make disclosure under the requirements of any law binding on the Bank or any of its branches; and
     
   • any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank's rights in respect of the customer.
   
   
5. Data access requests - Any individual has the right:
   
   • to check whether the Bank holds data about them and of access to such data;
     
   • to require the Bank to correct any data relating to them which is inaccurate;
     
   • to ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank; and
     
   • in relation to consumer credit, to request to be informed which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency.
   
   
6. The Bank has the right to charge a reasonable fee for the processing of any data access request.

Other Important Information

Use of Information and Materials on Our Website

• Products and services referred to in this web site are offered only in jurisdictions where and when they may be lawfully offered by members of the Premier Bank Group. The materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.
  
• These pages should not be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.
  
• The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice when necessary.

Copyright, Trade Marks

• The Bank and other parties own the trade marks, logos and service marks displayed on this site and users are prohibited from using the same without written permission of the Bank or such other parties.
  
• The materials on this site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Bank's prior written consent.

No Warranties

• While every care has been taken in preparing the information and materials contained in this site, such information and materials are provided to you "as is" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.

Linked Web Sites

The Bank or any other Premier Bank Group member is not responsible for the contents available on or the set-up of any other web sites linked to this site. Access to and use of such other web sites is at the user's own risk and subject to any terms and conditions applicable to such access/use.

E-mail

E-mail messages sent to the Bank over the Internet cannot be guaranteed to be completely secure. The Bank will not be responsible for any damages incurred by users if they send a message to the Bank, or if the Bank sends a message to them at their request, over the Internet. The Bank is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this web site.

Downloading

Please note that any software downloaded from this website is at your own risk and Premier Bank neither assumes nor accepts liability for any loss, damage (whether direct or indirect) howsoever caused, as a result of any computer viruses, Trojan Horses, Worms, software bombs or similar items or processes arising from your use of this website.

IMPORTANT: By accessing this web site and any of its pages you are agreeing to the terms set out above. Thank you for choosing Premier Bank. Service First.